BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-07
Company: Navient Solutions, LLC.
State: IL
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:
My complaint is with Navient and how they abruptly ended my in-school deferment with no warning. When I asked why, XXXX answer was because I was only allowed XXXX months of in-school deferment and after they could not tell me where this was on the MPN, they told me that they could change my terms and conditions whenever they got ready. They continue to provide incorrect information and ca n't ever seem to provide me with accurate loan dates, deferment dates, payment history etc. I asked XXXX people for my MPN and I only received XXXX copy. I took out my first loan with XXXX XXXX in XXXX, I had a tuition answer loan and the terms did not state anything about a XXXX-month in-school deferment. After I graduated from undergrad in XXXX ( XXXX University, XXXX, XXXX ) I attended XXXX XXXX off and on until XXXX. If I had XXXX months of in-school deferment, I would have heard about it way before now. I called today and asked them if they could do something to lower my payments, they told me that in order to do that, they would need to run my credit and the co-signers credit, and review our financial statements. I asked how I could remove the cosigner from the loan and I was told that I would need to make a XXXX of on-time payments. I asked if I had done that already, and I was told since I just did a forbearance ( I was forced to do, since I was n't prepared for them to change my loan terms ) I would need to start over from that point for the next year proving that I could make payments. I asked about my previous loan payment history and I was told that did n't matter since I may not be able to make the payments now. She did n't even bother to look. Please do something about Navient 's shady tactics. I do n't want to be punished for trying to make affordable payments. 

I even contacted my current school 's ( XXXX University, XXXX, XXXX ) financial aid office to inquire about XXXX months of in-school deferment for private loans and even the director of Financial Aid had never even heard of such.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Express Recovery is reporting an erroneous debt on my credit file. They are reporting on my credit file for a debt that I dont owe, I am unaware of any debts that I owe because I have been working with the hospital & I have insurance as well as medical hardship. This debt should have never been sent to collection. This is erroneous and needs to be removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being charged for services that I did not receive. I am being charged for someone elses services on my credit report. There is no contract between XXXX XXXX XXXX and Myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-11
Company: MECHANICS BANK
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Mechanics Bank is reporting I have missed two payments when I have not. All payments have been made on time. They say I missed XXXX and XXXX payments. I have bank statements to show both were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX I received an alert that a new account had been added to my credit report. I immediately disputed with all XXXX credit agencies and sent out a debt validation letter to LVNV Funding. XXXX week later I receive a print out on their letter head ( unacceptable since this is not my debt ) XXXX deleted the account but XXXX and XXXX did n't budge. The last name on the account is XXXX ( not my name ) I never received a dunning letter, a phone call, a bill Nothing. Just a surprise account that was previously deleted because the collection agency before could not validate this bill. This has caused tremendous backlash on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have not received statements for XXXX to-date. There has been an on-going billing error issue since on or around XX/XX/XXXX. At this point XXXX XXXX ' system shows no statements have ever been generated for XXXX, and they have failed to conduct a proper billing error investigation since it was initially filed in XXXX. The collection agency assigned to handle the outsanding amounts returned the account to XXXX XXXX due to violations as summarized in the attached documentaion. At present, XXXX XXXX ' system alleges a payment is past-due by thirty ( 30 ) days in XXXX, and possibly now sixty ( 60 ) days since another alleged payment was due XXXX XX/XX/XXXX. See attached for full complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: DE
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 believe I lost my wallet where I held all my important information like id and social security card and etc. Ever since losing my wallet, I've notice unauthorized activity on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
my x wife was taking care of our finances and ran up credit cards in my name during our marriage. in which I did not know about. I ended up in court with law suits and wage garnishments. I ended up paying all off XX/XX/XXXX. the bank we banked at was one that held a credit card that I took to court to fight. I told the judge I did not sign anything and did not make the charges. sense I did not have an attorney due to they took all I had out of my account during court hearings and wage garnishments. I had no money to live on or for an attorney. I went for a week at a time with no food until I could sell things to get food. but I ended up still paiding off the credit cards as the court stated on time. I finally got the court to listen to me after several court hearings. the court awarded me a full refund plus damage charges for the bank to pay me. well I never have seen a penny of this settlement. but all stopped with anymore collection from the bank or credit card. now yesterday XX/XX/XXXX my work gets a call from someone stating they are a collection agency to collect the same depth from XX/XX/XXXX from the same bank and card. again they wanted my company to have me call them in the matter. I called this phone number and they told me I owed the money again on same mess as before. then they told me if I did not pay they would send some one to my work for me. I told them that is not legal and what they claimed I owe was settled in court in XX/XX/XXXX and to never call me or my company ever again. I got another call from them on my cell phone today XX/XX/XXXX with more threats. that if I did not settle with them then again they would confront me at my work. I tried to call them back again several more times with no answers. their phone number is XXXX after their way of messages and live calls I know they have to be a scammer. there is a whole lot more to tell but I will leave it for now with these people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2015-05-07
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage was with Ocwen and I refinanced in XXXX of this year. The payoff was as per the payoff quote provided from Ocwen ( copy attached ), prior to expiration ( XXXX/XXXX/15 ), and included 5 days per diem. As of XXXX/XXXX/15, my escrow account had a remaining surplus of {$620.00} ( copy attached ). After several phone requests, Ocwen reimbursed me only {$230.00}. Every time I spoke to someone at Ocwen to get the remaining balance of {$390.00} I have received a different reason as to why they do n't have to refund it. I then mailed them a demand letter ( copy attached ), and they responded with stating that " {$250.00} was utilized to satisfy the additional expense after payoff and {$130.00} was disbursed towards the Federal Housing Administration ( FHA ) insurance. '' ( copy attached ). The payoff amount was as per the amount they provided, and was made on the final day the quote was valid through and included 5 days per diem on top of that, so there are no additional expenses. The PMI insurance was paid from my escrow account with each monthly payment and was never in arrears, so there should not have been any additional payments required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the Citibank checking account with a specific promotion. Both the banker and the main brochure confirm that I am eligible to receive the promotion bonus of {$700.00} once I put new money of >= $ XXXX and keep them in the account for 60 days. 
When I opened the checking account 3-4 months ago, the banker double confirmed that as long as I put over $ XXXX in the new opened account and keep them for the required period, I would receive the {$700.00} bonus. 
However, everything looks to be cheating customers. After the completion of the program, I only received {$300.00} bonus instead of {$700.00}. Citibank says that only certain methods of deposit are allowed, and the XXXX transfer of just a few thousands dollars are not counted. 

It's really a behavior to cheat customers. Because the banker who opened the account for me emphasized and confirmed that the only requirement is to keep >= $ XXXX balance in the account for 2 months. However, after everything completes, Citibank says that a few thousands of deposit are not counted but the banker confirmed that there was no requirement on the deposit methods. 

I think Citibank is doing this to cheat customer. They hide the information to be not obvious at all and the banker mislead you on purpose. As a result, they can defend themselves that you keeping the $ XXXX balance in account for months does not meet the requirement so they DONT need to pay you the deserved bonus. 

It's the worst banking experience I have ever had. I put the $ XXXX in the account for almost 4 months but ended up NOT earning the bonus I deserve. All the misleading information is cheating customers on purpose to do things in the wrong way to avoid paying out bonus as much as possible. 
I just CAN NOT understand why the requirement confirmed by Banker ( holding $ XXXX balance in account for 2 months ) ended up to be not working.

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 2016-12-07
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid of this debt, with documentation, and it is still on my credit report as balance not paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Dyck-O'Neal, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX I purchased my current private residence and originally had XXXX mortgages ( first + second XXXX ) with " XXXX XXXX '' XX/XX/XXXX. 1st was for {$480000.00}, 2nd for {$120000.00} Within 1 year the 2nd mortgage was transferred to another lender and then both mortgages ended up with XXXX XXXX XXXX around XX/XX/XXXX. We had XXXX loans with XXXX at that point, a 1st and a 2nd. I still have the papers and XXXX loan numbers. 

XX/XX/XXXX my husband and I filed for chXXXX with the help of XXXX XXXX XXXX, discharged XX/XX/XXXX. We had stopped paying the 2nd XXXX mortgage around XX/XX/XXXX. We learned from XXXX that they charged off the 2nd mortgage. After the XXXX discharge we never heard about the 2nd mortgage again, no correspondence whatsoever. 

On XX/XX/XXXX we received a letter from a company called " Dyck O'Neal '' claiming possession of a lien against our property. 

On XX/XX/XXXX XXXX XXXX XXXX sent a " Qualified Written Request '' to Dyck O'Neal on our behalf. Until today there is no response. 

On XX/XX/XXXX my husband went to the XXXX recorder 's office to search our property 's records. He found out the following : 1. A record recorded with XXXX recorder on XX/XX/XXXX showing that in XX/XX/XXXX a transfer of 2nd mortgage from lender " XXXX XXXX '' to a company called " XXXX XXXX XXXX '' in Texas took place. These documents were recorded with the LA recorder 's office 2 months after XXXX XXXX XXXX had sent them the " Qualified Written Request '' Dyck O'Neal never responded to. 
Besides, to our knowledge XXXX XXXX could not have transferred this 2nd mortgage as the original 2nd had been moved to XXXX other lenders and it ended up with XXXX before our chXXXX filings in XX/XX/XXXX. 

2. Another record dated and recorded with XXXX recorder on XXXX/XXXX/XXXX showing a transfer of this same 2nd mortgage from " XXXX XXXX XXXX '' to " Dyck O'Neal, Inc. '' dated XX/XX/XXXX. 

On XX/XX/XXXX I received another letter from Dyck O'Neal similar to the letter they had sent in XX/XX/XXXX, claiming possession of a lien against our property. Again no response to the Qualified Written Request my attorney had sent in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: NJ
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:
There are 2 accounts showing up on my credit profile that have never belonged to me.

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 2017-01-16
Company: REGIONS FINANCIAL CORPORATION
State: OH
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I had XXXX dollars inside of my wallet with my XXXX bank card 2 days ago.. I went to purchase a XXXX of XXXX from XXXX XXXX at a nearby liquid store.. Then the day after I proceeded home to then search for the wallet which by then was clearly missing and I called my XXXX bank to check my card status and it said XXXX XXXX So it clearly was getting spent by there second on groceries at a XXXX by XXXX high school.. I just want to know how I can go about getting my money back and or prosecuting whoever did this

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 2022-10-11
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX # XXXX is furnishing inaccurate information on my credit report. 

Under the consumer law 15 U.S.C 1681 E section B explaining Compliance and Procedures. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Attached is a letter of PROOF! that the creditor has no record of the alleged " charged off '' account and is inaccurately reporting it on my credit report. This has caused my family a and I severe harm due to this erroneous inaccuracy. 

The creditor is also in violation of Consumer Law 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' They must File a 1099-C for any debt that is canceled over {$600.00} dollars, but i never received this form. Also, if done correctly, they can not report debt to a consumer report because that is a transaction between the creditor and myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a modification with Bayview Loan Servicing, I completed the trial payment period making all payments on time. As I was waiting on them to convert the mortgage to a conventional loan they did a title search were they found a lean for child support. This Lean is not valid and was not found by other title searches done on this property, or other mortgages that I have had. I even have a court order stating that I didn't owe child support, which they said did not prove anything. Bayview also will not return phone calls, or even make contacts with me about my modification. I have also received a letter stating that they are reconsidering my old modification based on the court document, and a decision was to be made by XX/XX/XXXX. As of today XX/XX/2018 there has been no decision. I believe that they are using stall tactics to take my house, and violating the modification law. I have also filed a complaint with XXXX XXXX pertaining to Bayview.

Company response to consumer: Closed with explanation