BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: All Reverse Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Yesterday we were researching All Reverse Mortgage about Reverse Mortgage financing so we went online to the calculator ARLO to see what our property value is. Today I get an email from XXXX XXXX at All Reverse stating that they did not make loans in my state of North Carolina and referring me to another company. This is false information because they do make loans in North Carolina. When I responded to the email I asked XXXX XXXX why he lied to me about making loans in North Carolina? His response was " we do plenty of loans in North Carolina but because you have a XXXX XXXX  they could not make me a loan ''. This too is a lie because about two years ago they were going to make me a reverse Mortgage loan and payoff the XXXX XXXX we got all the way to scheduling the closing when we backed out because All Reverse wanted to take over {$50000.00} and hold it in escrow for what they told me at the time was property taxes, I explained to them that I pay my property taxes every year and there was no need to hold out that much money! They insisted that they had to hold out the money which would have given us basically nothing while owing them over {$100000.00} dollars, at that point we backed out of the loan. They told us to wait until the XXXX XXXX  was paid off and re-apply which is why we were checking into the property 's value now for a possible re application in the fall after the XXXX XXXX XXXXs paid off in XXXX of 2022, three months from now. The bottom line is that this lender is not reputable and should not be designated as a government endorsed lender, they are dishonest and corrupt and should have their credentials pulled, I'm sure we aren't the only ones that they have misled!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Shortly after I XXXX with my XXXX in XXXX 2015 I was contacted about the repayment process of my loans. My private loans are through Navient. The monthly payment was n't affordable ( still is n't ) by any means. I 've contacted them weekly to discuss any options that I may have. I was told that I could n't get a forebearance unless my loans were paid current. By this point I could n't even begin to make my account current. I provided them income verification and have done server all other steps to try to resolve my account. But I 've been told there is nothing they can do. Upon, further looking into my account I started to question the amounts of the loans as my tuition for school was significantly less that the amount of the original loan. I have on several occasions requested copies of the Master Promisary Notes for these loans and Navient has yet to provide them to me. At this point I am questioning whether these are in fact my loans or not. Also, the loan monthly payments that they are requesting are a significant financial hardship as they total roughly 60 % on my monthly income. I 've come to the point where I feel I have no options and not even sue what a next step would be to starting to resolve this issue. Navient has been far from helpful in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: FL
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'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I didnt open those account. I try to fix it it since the first time. Now my credit is bad. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Portfolio recovery is purchasing bad or old debt that has been charged off. I think like 4 or 5 different things.they constantly robot call from different numbers and such. Now they are trying to garnish wages. They harass us and its ridiculous at this point. They are rude and threaten with things all the time. Amounts are changing they are just dirty

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I gave you a detailed explanation with documents on " what happened ''! You ARE NOT ON OUR SIDE!!! You 're a XXXX XXXX that collects money from we taxpayers with no real intention of helping anyone! You 're a XXXX farce, a fake! and SOON you will ALL be exposed for the XXXX, the demons, the discredit to the human race that your are!!!!

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 2017-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent several certified mail in XXXX of 2017, Ive filed several complaints within the 6 months for this particular account. I havent gotten no response. Im fed up, Ive asked to prove how both TransUnion and XXXX XXXX XXXX were able to verify this account XXXX accurately before placing it on my credit file as an error. By law you cant verify an account without original documents. FCRA Section 609. I repeated that Im not aware of the account several times and Ive been ignored so whats left is to take legal actions against TransUnion XXXX XXXX XXXX XXXX. You will be contacted by my lawyer and the attorney generals office about this account. It has caused great pain and suffering to my life. I will make sure this matter is resolved within the next month.

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 2017-10-08
Company: ERC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/XXXX I sent the company two letters demanding validation of the debts they are attempting to collect. The accounts are reflecting poorly on my credit report but I am not familiar with the original creditors, the balances being demanded, or the account opening dates. The company has failed to respond to my attempts to verify the debts but are still reporting the unverified information on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America 's website did not give me an option to pay my note on the XXXX and XXXX of this month. I have been paying on this bill for around 10 years. I 've never been late.I 've almost always paid my mortgage on the XXXX or XXXX of each month, as this is when I get paid. I make sure not to go over 30 days, however, the month of XXXX had 31 days in it. I went to pay my bill on the XXXX of XXXX, which fell on a Friday and was met with the drop down button not allowing it. I tried on XXXX XXXX, which fell on a Saturday, to make the payment again and was with an error stating that Saturday was not a business day. This forced me to schedule the payment on XXXX XXXX, that Monday. This is online payments and it should n't of mattered if it was a business day or not, as long as the payment was made. I have now been informed that Bank Of America has decided to report on my credit report a late, which will damage me! This is not fair and my records will show that I have paid my bill on the same date of each month. How am I to be penalized because Bank Of America did n't allow me to make an online payment on XXXX of those days, yet the record shows that I scheduled on XXXX XXXX for the XXXX of the month ( the only option )? There was also nobody to speak with over the phone as that department was closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: MI
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:
Hello, I filed two rounds of letters with XXXX, Equifax and XXXX on XXXX XXXX and XXXX XXXX and the accounts still remain and have not been fully validated. XXXX sent me a second letter stating since they attempted to complete an investigation the first time, they will not be conducting a second investigation on the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: MO
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:
My student load debt through Navient is {$55000.00} ( principle plus interest ). I asked them if I pay the principle amount, in full, will they forgive the remaining interest. They told me no. They said I have to pay the full amount. They were not willing to negotiate at all. I believe this is unjust and unfair. Note***My principle amount is around $ XXXX. Can someone please assist me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I defaulted on a storage unit and the debt of XXXX. The sold the debt to AWA collection when they proceed to put a balance of XXXX on my credit report. I wasnt aware of this until XXXX. I contacted AWA and the claimed is was the correct amount and refused to change it. I then get paperwork from the storage unit with the correct amount owed and email it to AWA and they still refused to change it to the correct amount. So I disputed the amount on several credit burial sites and a few of them finally removed the balance. After which AWA adds a new balance of XXXX to my credit report. So I had two different balances for one debt owed on my credit report. Ive continued to dispute these amounts and now AWA decreases and increases the debt amount by 1 dollar a ever two or three weeks and cause my score to drop by 24 points each time. They are purposely trying to ruin my score because they want me to pay more then whats owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My wife and I took out XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. We were under the same belief that many have that these loans would fund the education that would lead to the higher paying jobs, thus enabling us to repay the loans and have the life we had worked hard to create. After graduation we were told our repayment plans would be more than the income we were making and opted for a hardship forbearance. Once this expired we were still within the same financial structure and unable to pay the requested amount. Navient was formed and our loans were transferred to them for servicing. They were even more difficult to deal with! My wife had her parents cosign on XXXX of her XXXX loans and, as a result, Navient refused to offer income based assistance due to the income her parents bring home. We explained to Navient that these are out loans and we are happy to repay them but we need to be within a reasonable payment. They are requesting over XXXX % of our gross monthly income in the form of payments and are unwilling to budge. We were told that these are private loans and are not eligible for any assistance outside of what they feel we should have. This is extremely frustrating because we are already paying them {$370.00} for my wife 's loans and mine are in an educational forbearance. Once these come out, they want an additional {$1000.00} per month. That does n't include the XXXX loans they are unwilling to include in the consolidation for my wife due to the consigned. They want an additional {$800.00} for those XXXX loans- more than the combined total for all the other loans! When all is said and done, they want {$2200.00} per month from us. Our monthly income is only $ XXXX. That means over half of it would go to them. That does n't include the Federal loans we pay. Navient has been completely unwilling to work with us despite multiple attempts. The worst part is we have been paying on them for nearly 6 years and the total amount due today is actually more than when we took the loans out due to the 'interest only ' repayment plans and the fact that interest continued to accrue during forbearance. It is almost criminal that these companies are able to lock students in to these loans with no chance of assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Credit Bureau of Carbon County
State: WY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by phone by the Collection Center of Wyoming regarding accounts that were not mine that they were claiming were. These accounts were in the name of XXXX XXXX, and were medical bills in XXXX Wyoming and a cable bill in the same name at the same location. These accounts were old and I have never been contacted about them before now. I was an XXXX but divorced and changed my name in 2001 ; I have also never been to XXXX. I called the hospital that reported the debts ; these accounts do not match my social security number, middle name, or date of birth. The hospital called to remove this from my record. The collection agency also removed the cable bill. This collection agency did report XXXX medical bills to the credit bureaus before they contacted me about them. I was told that these were corrected but today are still showing on my reports. As I am planning to purchase a car this weekend, I again contacted them. They said they could write a letter that I can give to the dealership but it has to be approved by several people before they can get it to me and it could take several days. They should have verified that all information on the debts matched mine before this was ever reported to the credit bureaus. I should have also been contacted long before it was reported if they believed it to be me. I have never received any written communication regarding these debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a letter regarding an MBNA credit card account that was written off at least 10 years ago. The bottom of the letter states that unless I dispute the debt within 30 days, the debt collector will obtain a judgment.

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 2016-10-04
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I can document through the payment history of my Consolidated XXXX Student Loans a consistent, persistent and systemic pattern of payment allocation errors. 

These errors represent a documented history of fraud and malfeasance by Navient regarding the proper management of my XXXX Student Loans according to the promissory note and, thereby, the Truth in Lending Act. 

For my first example of these payment allocation errors, please see the attached document, which shows the payment made on XXXX, where almost XXXX ( e.g. {$220.00} ) of a {$340.00} payment was applied towards the XXXX Federal Loan, which has the lower principal balance. 

Additionally, I can provide documentation for more than XXXX instances of similar allocation errors over the 12 year repayment history of my student loans with Navient XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: JPMORGAN CHASE & CO.
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:
I have been a chase card member for several years and have always paid my bills on time. 

They closed my accounts without any consultation with me. I put some purchases on their for their insurance benefits and now I lost those. 

I am asking for the following 1 ) Either have my cards reinstated.

2 ) Or the annual fees on those cards refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX, I had a Capital One credit card and the debt was sold to XXXX  XXXX XXXX XXXX XXXX ). I spoke with XXXX and they threatened to sue me and filed a court judgement against me in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Navient Solutions, LLC.
State: UT
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:
Completed the course that I was signed up for. Finished paying the in school loans, and was promised job assistant when I went to applied for those jobs in which the school referred me. They saw the school I had graduated from and the time that I graduated, I was then told that my diploma/certificate was invalid due to credential loss half way through my education. I was told that in order to rectify this and be able to be a candidate or the position then I would need for the position, it was recommended that I return to school and redo my credentials. 
I called the school, they told me, that everything was fine, if there was more credential needed, I would need to return to the school and re apply for that course. Even after explaining my situation they advised that in that case it would be in my best interest to return to school but that I would have to pay for the course again and that they would help me reapply for all the same loans so that I could come back and redo the course. Receiving no understanding for the situation that I was in due to them I was only offered a change for me to come back in and speak to another councilor and that they would be more that happy to redo all the loans in which I already had again and could n't pay for, and that I did need to understand that any new loans would be in ADDITION to all the current loans. I asked why I would want to do that when I could n't pay for what I already had because I could n't get a job as promised when I signed up for the course as I was unemployed at the time of enrollment but was promises that that was n't a big deal as at the end of my course I would be assisted in job placement so that I could repay every loan that they signed me up for in the first place. Which in all fairness I do n't understand how they could possibly tell people who had no form of income to come on in and sign up for thousands of dollars based on a promise that they would in fact help make it so that I could repay them and still have money left over to support myself and my family all of which today I am learning were lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Trident Asset Management, L.L.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to Trident asset management to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/2022 and have yet to receive the information requested from the company. I have never signed a contract with trident asset management and do not owe this alleged debt. This has violated my consumer rights and disregarded my attempts to assess the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation