BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-25
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i am about to get out of bankruptcy and payoff mortgage in XX/XX/2017 with phh mortgage they did not give me escrow analysis in 5years know they give me one in XX/XX/2017 and say i owe XXXX dollars they can not tell me the dates when this started they are not telling me nothing in writing could you look into this matter i wrote the trustee in this and contacted the bankruptcy lawyer no response my loan # XXXX phh mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Navient Solutions, LLC.
State: MD
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 graduated this past XXXX, officially in XXXX, prior to that my Navient account was being forbeared by paying {$150.00} which was supposed to go to all my loans. However, the loans originally written through XXXX XXXX were special XXXX XXXX loans where the parent was the parent borrower and their income/credit was the basis of obtaining the loan. The student was listed as the student but still responsible for the loans. There are a total of XXXX smaller loans with Navient, however, when I was paying the good faith payment to protect the credit reporting, they did not cover all the loans because they were not brought over from XXXX XXXX with my name being attached to them all. Apparently this loan type is no longer offered because of its complex nature of not proving the student was in school. Now I have graduated and have attempted to consolidate these loans, but constant negative reporting while in school ( the grace period ran out because I took more years to graduate ) makes it difficult to be eligible for anything. Additionally, between my parent and myself, never got information on all the loans over the phone because of the way they separated in the system. So some representatives gave incorrect information because they did not look in all places. 

Although there were special programs available, I was not told about those until after my account got extremely delinquent. Now I am enrolled in a interest rate reducing program which is helpful, however, Navient still reports the loans at delinquent, and a letter for setting up the program states they will continue to do so until the qualifying payments are made. You have to make XXXX automatic payments in XXXX consecutive months in order to fully gain entry into the program. My issue is that I started with a credit score in the high XXXX, in 4 months of successfully paying off credit debt, paying student loans, due to being gainfully employed, I was nearing a credit score in the high XXXX, and easily would be in XXXX range by next year. Now in XXXX month, it has dropped XXXX points. And will continue to drop at such a large rate, that despite being on time with my agreement and payments across the board, I will be penalized for this. In addition, despite being in the program, you still receive calls upwards of 3 times a day. No one there seems to share information which would be helpful to those who are attempting to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: ARVEST BANK GROUP, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the second time, I mailed my payment to Central Mortgage Company on XXXX XXXX, 2015 ( the check is dated XXXX XXXX because I wrote it the night before ). I just received a letter dated XXXX XXXX stating they had not received my payment. The check was cashed on XXXX XXXX. If Central Mortgage Company does not receive the payment by the XXXX of the month, they charge a late fee of {$40.00}. Usually I mail my payment the first week of the month to ensure at least 9-10 days for the payment to arrive to Central Mortgage Company. Oddly enough, they charge you a {$5.00} fee to make an online payment, so I always mail my payment rather than pay the fee. I have a hard time believing that the postal service was unable to deliver my payment within 9 days, and it appears that many other consumers online have had the same problem. I fear they are holding my payment for days and claiming it is late so they can charge me the late fee or bully me into paying the online fee. The first time this happened last year, I called and they would not budge, even though I mailed my payment 10 days before it was due. If this continues, I am considering refinancing so I can switch companies or sending all payments via certified mail to prove that they are receiving my payments with plenty of time to process. Sadly, it is cheaper to send a payment through certified mail than it is to pay online, albeit less convenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech took over my mortgage, and last month along with my house payment I also had a bill for an escrow shortage. I mailed a separate check for the escrow shortage, with escrow shortage written on the bottom, per their nasty customer service persons instructions. They applied it to my principal and REFUSE to allocate it where it belongs and send me a new bill for my house payment with the correct adjusted amount. I 'm tired of writing, calling and complaining. This just is n't right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I XXXX XXXX from XXXX auto finance XXXX Texas. After making a couple of payments, they informed me that they had sold my car loan to Mid Atlantic Finance company. 
After two months, XXXX auto finance came and repossessed the vehicle because i owed {$610.00}. When i called them ( XXXX ) together with Mid-Atlantic, XXXX auto acknowledged that they have taken over the car from Mid Atlantic and that i should make payments to them. On the same day i called Mid-Atlantic and they informed me that they had sold the car back to XXXX XXXX XXXX and that if i have any questions i should direct it to XXXX. Following these conversations, i went ahead and made payments and was given back the car. I am current to date. From then it has been a nightmare. Mid-Atlantic finance has been calling me telling me that am late on car payments yet i have been making payments to XXXX XXXX. Today XXXX/XXXX/16 Mid Atlantic reported that am 60 days late but per their statement, i should make payments to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
What I said in my complaint ... 


To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XXXX XXXX, 2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XXXX XXXX, 2017 and they completed the request on XXXX XXXX, 2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have recently been informed that there is negative information reported by TransUnion, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX, ( who TransUnion reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. TransUnion received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. TransUnion did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.

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: IL
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:
When I transfered jobs to the public sector, I called XXXX/Navient to see about Public Service Loan Forgiveness. I was n't sure if my loans qualified and if my job would qualify. After a few frustrating phone calls in 2013, I never received complete information. I was told I could consolidate my loans and then " see '' if my job qualified. It was posed to me as if it were a gamble. I wanted a definitive answer before going through the process of consolidating my loans and possibly having a higher interest rate overall. Unfortunately, I had to go through several people who were not affiliated with Navient to find out that I did qualify, and that I should consolidate my loans. The process was NOT easy. I am in XXXX, so I was able to find a counselor on campus who could help me. This is not his job. He is my colleague, not my financial planner. It is Navient 's job to train their employees well enough to answer these types of questions for " customers '' or students. Other borrowers are not fortunate enough to have resources and information at their disposal. I lost out on almost 3 years of PSLF because of the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX report me to owe {$850.00} for Medical services on XX/XX/2016. 
I paid them by check the remainded balance for copayment. 
Now they send me into Collection Agency ( Central Financial Contro ). 
I demand an investigation in this matter because the omongus amount that they try to collect from me when I fullfiil my copayment out of my medical insuren ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
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 temporarily postpone payments

Complaint:
Upon leaving XXXX XXXX, I was initially unable to consolidate my loans due to not graduating. I was in deferment because I was a student but applied to a program in XX/XX/2008 to get reduced payments by submitting three consecutive payments. I was denied this reduction because I was still a student. My interest has taken a XXXX dollar loan to over 200,000. I have tried to negotiate payments and offered buy outs. I was unable to afford their monthly as well as buy out offers and now they have resorted in selling my loan to a collection agency to avoid their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a lot of fraudulent inquiries that are not mine on my credit report with Transunion. I 've addressed this issue with transunion when I sent them letters about the inquiries as well as other accounts on my report that do n't belong. All of the inquiries were removed from my report and then reinserted without a 5 days notice which is an FCRA Violation. I 've reached out to them on numerous occasions and the representatives would tell me I have an extended file. They stated sometimes it will show no inquiries depending on while file being reported. This is against the law and I want these inquiries 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 2017-03-20
Company: AES/PHEAA
State: NY
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 have federal subsidized and unsubsidized XXXX school loans which were consolidated and are presently serviced by FedLoan Servicing, on behalf of US Dept of Education. I annually recertify my loans under the Public Service Loan Forgiveness program and for Income Based Repayment for partial financial hardship. I am married and have XXXX child ( a daughter ), and my wife and I file our federal and state income tax returns on a separate basis. Based on DOE 's regulatory guidance, the recertification determination under IBR should not need consider the spouse 's financial income or tax information when borrowers are married separate tax filers. However, regardless of this ( which has been orally confirmed by FedLoan representatives ), my most recent recertification application was denied for failure to submit my wife 's income and tax information. The explanation for this as provided by FedLoan was that the form supplied by DOE is defective. I have been advised that I could just say that I " do not have reasonable access to my spouse 's information. '' However this would be a falsehood as we are married, and we reside in the same domicile. This is inequitable and requires a logical, consistent solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer is saying they wo n't accept my payment. I 'm behind but am now able to make two full monthly payments and they are saying the ca n't accept payment unless I make 4 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: NJ
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 have a Student Loan through XXXX XXXX which later sold my loan to Navient. Both companies saw that I was paying extra towards my monthly statements I did so with the intentions to pay off my loan quicker. They never allocated my extra money toward my principal and It never reflected in my current balance.I noticed that my balance had never seemed to move when I started paying down on my loan XX/XX/XXXX/XX/XX/XXXX, to this current date. Navient took my extra payments and put them towards a pay ahead schedule, I was never told about ta pay ahead program. When I called into Navient about why my balance due kept changing and sometime said that I owed NOTHING, that was when a rep told me that I was paying ahead so I was months over paid on my account. I asked her ; how can I get Navient to put my extra money towards my principal ... I was told to write a letter and tell them and continue to pay online. It made no sense at all how would the letter arrive the same time as my online payment, needless to say no response and no extra money reflected in my balance. When I contacted a costumer representative they could not explain to me why they were doing that and they claimed they could not access my records to show all of my extra payment. Before Navient took my loan I had the same issues with XXXX XXXX, they saw my extra payments and when I contacted a costumer representative, they too also told me they could not see my records and go back " that far ''. I also had contacted a costumer representative several times when my husband noticed that they ARE NOT calculating my interest properly. Not XXXX put of the XXXX people I spoke to could explain to me how they calculated my interest each month, with that said, that is why my balance also dose not show my accurate balance due. XXXX XXXX saw that I had paid them extra money to defer my loan, when I graduated I was XXXX and did not start work right away, NO ONE gave me any other options than to deffer my loan, no one told me, it would still accrue interest either. When I saw that I was not getting through to anyone and no one was going to help me, I stopped paying extra towards my loan and I 'm currently paying the min balance due. As of today XX/XX/XXXX my balance still dose not reflect the extra XXXX that they have from me, extra I was putting towards my balance due!!!!. My family and personal life has suffered greatly, because I had prep and planned to had been done paying them off, to stay at home and raise my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: JPMORGAN CHASE & CO.
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX before my husband death had refinanced without me signing the note or the mortgage. In XX/XX/XXXX JP Morgan Chase foreclosed on my home. I paid about 75-80 % of the loan when JP Morgan said I defaulted on the loan. Doing a sheriffs sale JP Morgan was the only bidder and bought the note, and added court and other fees to the amount owed. I did not receive any money from the equity I paid in my home. The judge XXXX from the district court of XXXX county in XXXX Kansas. I believe XXXX colluded with JP Morgan Chase to steal the equity in my home, and give me nothing. XXXX stated in a motion that there was a conformation of sale and that all parties were satisfied. There never was a conformation of sale and then JP Morgan Chase assigned my title to XXXX, and the XXXX to filed eviction notice, and gave me 6 days to move out. While out of my home I got a motion in the mail of relief of stay. I had filed bankruptcy in XX/XX/XXXX, and XXXX filed the motion to ask the federal bankruptcy court to allow them to immediate evict me from my home, to sale, and depose all my furnishing. 
I believe JP Morgan Chase fraudulently used my signature from the first loan my husband and I signed when we first bought the this home. I believe JP Morgan Chase did not own the mortgage to my home, and I believe JP Morgan Chase committed racketeering, fraud, and stole the equity in my home. I am currently waiting eviction again. I want JP Morgan Chase investigated. Bankruptcy case Number XXXX, and Foreclosure case number XXXX both court are in XXXX Kansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX : XXXX XXXX XXXX, XXXX Account # XXXX I sent a register letter to XXXX XXXX XXXX, XXXX requesting validation of debt for their account # XXXX on XXXX/XXXX/XXXX. 
They failed to provide the information I requested. Instead, sent letter dated XXXX XXXX, XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. They also stated that they would write to me again in XXXX in regards to my dispute. 
After not hearing from them, a second registered letter on XXXX XXXX, XXXX requesting " validation ''. Again they failed to provide the information that I had requested. Instead the sent letter dated XXXX XXXX, XXXX requesting that I provide them with " specific information that you are disputing and an explanation of the basis of your request ''. 
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: TENET HEALTHCARE CORPORATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from Syndicated Office Systems that has my signature forged on it. The letter presumably is suppose to be from myself to the company. The letter origin is from XXXX Pa when I live in XXXX Pa. I have never heard of this company nor have I ever been contacted by them prior to seeing this letter. I want to know what steps can I take to investigate and prosecute this to the fullest extent of the law.

Company response to consumer: Closed with explanation