BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I made a previous complaint abo ut Navient not workin g with me not combining my " private smart option loans '' or discussing options about lowering my payment. I finally reached a nice gentleman which helped me get on a payment plan for {$120.00} per month which is electronically debited. He explained to me that the interest rate, which skyrocketed would lower in the month of  XXXX . I am still getting calls at l east six times   per day and when I log into my account, they have me listed as delinquent. This problem was supposed to be solved in  XXXX  when I agreed to pay the set amount each month. This is ruining my credit and I need help as soon as possible. I think I am going to be forced to hire an attorney if this problem is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On XXXX XXXX 2015 I noticed that Equifax has an old address as my current address and my current address as an old address. What is more, Equifax lists the incorrect current address ( i.e., my old address ) as being reported with an older date than the correct current address. I tried that day and today via online and telephone to have Equifax switch the XXXX addresses. The wait times for Equifax are inordinately long. The process Equifax wants me to go through to have the correction made because of their incorrect processing of my records is onerous. I am paying Equifax for a credit monitoring system and I am subject to shoddy record keeping and grossly poor customer service. Please have Equifax fix my record -- the record they are n't keeping correctly. Thank you. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: QC HOLDINGS INC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My ex sister in law received a call telling me that the person on the phone was trying to contact me. I called them back and left a message. I received a call today at XXXX XXXX onXX/XX/XXXX. I was trying to get information about this debt l owe. They stated that I owe {$1900.00} and they would take XXXX if I paid today. I told them to send me the paperwork about this debt. The person on the phone got really upset with me. I also told her that I do n't have a checking account and have n't sinceXX/XX/XXXX. She was very belligerent towards me because of my response to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I started a mortgage refi application in XXXX with Wells Fargo who services my current mortgage. My current rate is XXXX while the refi rate lock was 2.625 %. I feel as though Wells Fargo completely harassed me in several different aspects. 
They started the process by pulling my credit history which identified some areas of concern. Wells Fargo moved assed this ; however, and continued to request information over a three month period. Wells requested the same documents over and over, made me upgrade my home owners insurance, made me pay for a property assessment, submit P & L Statements multiple times, and send retirement information several times. I submitted everything in a timely manner following the credit report yet the requests kept coming. In the end, Wells denied me based on information they had from the first week. I feel like this process was very unprofessional and in the end Wells kept searching for another reason to deny me. When they couldn't find anything Wells resorted back to the credit report. I have requested documents from Wells ; however, they will not return emails. I hope there is an oversight committee that can review this complaint. I feel as though Wells made a financial decision that was best for them while harassing a customer.

The irony is that Wells claims they want to assess risk yet my refi would have been less risk than the current mortgage. Both houses appraised at more than I stated and my credit score improved, yet Wells only updates information that will hurt an application if that is their plan. 
Thank You

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 2023-07-29
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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:
XXXX credit reporting stated that on XX/XX/2023 that I requested credit from Santander Consumer USA Inc, and violated my consumer rights with inaccurate reporting. The information below I am disputing. It is inaccurate. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: AVANTE
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AvanteUSA,  XXXX , TX offered to settle a debt from  XXXX   XXXX   XXXX  in  XXXX  PA and sent a letter implying I would be subject to further action if I did n't pay AvanteUSA. I have never been to  XXXX   XXXX   XXXX  nor do I live anywhere near  XXXX  PA. I have seen other complaints about Avante since researching this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Last week Rushcard did a system update in which all cards would be down for a couple of hours. After said time my account has not been correct. I was suppose to get my direct deposit on that wendesday and it is now the following Tuesday and my deposit is still not in my account. I continue to call yet very time I mention direct deposit I get hung up on. I have been without gas and food in my house. Bills are being to be late and my rent is about to be due. On eve I do finally get to speak to someone they ca n't tell me anything that is going on except they are trying to fix the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My story began when I was placed on a trial payment plan back in   XX/XX/XXXX   with my lender. I made all three payments on time and continued paying my mortgage until it was transferred to another lender. When I made my payment to the new lender, it was returned, and they told me I had to apply for a new modification and then they could accept my payments. The new lender gave me the run around for almost four years, and they attempted to foreclose on my home. When I inquired about my mortgage payments that I had made from   XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX , th ey attempted to foreclose on my house, and my attorney advised me to sign the modification because I had no other alternatives and the banks can do what they want to do. I have an email stating these facts. I signed the modification knowing that my mortgage payments were not applied. After I had signed the modification, the lender told me that they could no longer speak to me because I was in bankruptcy. They would not discuss anything on the phone with me after that time. I have the email. I went to the state of Maryland, and an investigation was conducted, into my foreclosure case and it was discovered that my mortgage payments were not applied. I can provide those documents at CFPB request. Also, a judge in my bankruptcy filing in  XX/XX/XXXX  was provided with the trial payments, and email from  XXXX  in regards to not speaking with me after the ratification of the modification. The  Judge  allowed me to go back to paying my original mortgage until things were sorted out. My attorney disappeared, and my case was dismissed, and Fay started foreclosure proceedings on my home. This was the 5th foreclosure and keep in mind ; no other lender attempted to assist me with a modificat ion. Fay was  provided with all of this information, and yet they are now trying to foreclose for {$580000.00}. An adversary was filed  on Fay Servicing  during my  XX/XX/XXXX  bankruptcy filing, so they are aware of what is going on with my loan. I have notified the  Fay Servicing 's foreclosing attorney on many occasions to let them know that th e accounting information is incorrect, but they still push forward with foreclosure. There should be rules that foreclosing attorneys must adhere to before foreclosing on someone 's home. They should verify ownership and accounting before filing documents in the court system. If it were us as regular citizens, we could go to jail. Please investigate this company and help keep homeowners in their houses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: WA
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:
In XXXX of 2021, I was told by an associate at XXXX XXXX XXXX XXXX that since my car was at the end of terms, they would extend my payment as a courtesy over the next five months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, XXXX XXXX XXXX XXXX reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen uses Fraudulent Practices to Try and Seize our HomeIn XXXX states Ocwen is known for their predatory lending practices, dual-tracking loan modifications and robo- signing of documents. Now it is happening again here in IL to US! 

When Ocwen could not sale our home, they tried to buy it back for themselves on behalf of the bank at a much lower price, after they had charged off our entire principle balance. While at the same time putting us through a loan modification process for a much higher price. In addition, in rare cases are foreclosure filed in federal court, however, our is such a case. While the XXXX judges constantly denied the confirmation of the sale to Ocwen, in this latest event on XXXX XXXX, their attorney advised them to proceed with the sale in lieu of the Judge 's order. How is that possible? 
Where do we go from here if:1. Ocwen was allowed to charged off our property, issued us a XXXX, closed the account and have no communication with us the borrowers2. Then turn around reinstate the account for purpose of a Sale, without a court order? 
We are asking you to investigate this company and help us TO SAVE OUR HOME!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the process of trying to modify my mortgage with  Select Portfolio . I was given a so called single point of contact but the contact never returns my call. I am forced to talk to someone new every time I call them for clarification on what documents they want to see. The representatives tell me I need a document and then when I give to them they say I need something else. I was told at least twice I have given them all the documents needed and my loan was in underwriting only to be told again I need something else.      Select Portfolio h as also placed multiple fraudulent insurance claims on my property. I never needed to file an insurance claim as the house was always occupied. As a result I am having problems obtaining affordable insurance for my primary residence.     This property was also included in a bankruptcy and  Select Portfolio has  ignored the proper disclosures and acknowledgement of the fact that the loan was in bankruptcy. As a result the loan has a some point been reported incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXGentlemen : I am forwarding a copy of the correspondence I previously sent on XXXX XXXX, XXXX to each credit reporting agency regarding errors on my credit report. I am requesting again that you please correct each error. 

I am also forwarding copies of information faxed on XXXX XXXX, XXXX, to Equifax and XXXX XXXX XXXX XXXX, Branch Manager of XXXX on XXXX XXXX in XXXX. This fax was to provide proof of the fact the Chapter XXXX Case was no longer active in connection with an application I had submitted to XXXX XXXX XXXX for a home equity loan. XXXX XXXX subsequently informed me with FICA scores of XXXX, XXXX and XXXX, I would need to provide proof from the Courts that I had filed Bankruptcy in XXXX XXXX to prevent fraudulent foreclosure on my home. 

The Bankruptcy Case was dismissed in XXXX XXXX. The Court action filed to foreclose on my home was dismissed with prejudice from XXXX XXXX XXXX on XXXX XXXX, XXXX ( CASE NO. XXXX ). My application for a home equity loan was denied until I could produce the evidence although I did not receive this decision in writing. My real estate has been paid in Full since XXXX. 

The foreclosure attempt was XXXX of the XXXX mortgage foreclosure attempts by this building contractor and his attorney reported to each agency over the past 17 years and I have strongly objected to and fought each XXXX. There has not been XXXX successful FORECLOSURE AND REPOSSESSION AS EACH CREDIT BUREAU IS REPORTING. EACH CLAIM HAS BEEN BASED ON NOTHING MORE THAN GREED AND VICIOUS INTENTIONS. 

Based on information and belief, XXXX XXXX is XXXX of owners of XXXX XXXX XXXX, Construction Contractors in XXXX, NC ; and, XXXX XXXX ( XXXX XXXX, XXXX XXXX ) XXXX XXXX is affiliated with XXXX XXXX XXXX XXXX, created by Attorney XXXX XXXX XXXX, XXXX. It has become perfectly clear to me that XXXX XXXX was very much a part of the mortgage fraud scheme perpetrated against me by Attorneys XXXX XXXX, XXXX XXXX, XXXX XXXX, and others by allowing XXXX XXXX and XXXX XXXX to invest our mortgage loan funds in other investments, and stockpile the debt at XXXX XXXX XXXX as construction loans to XXXX. It is a fact the mortgage foreclosure and repossession currently recorded on my credit file is the direct contribution from XXXX XXXX and others. 

I am approaching retirement at this point of my life and have paid in full large consumer accounts. Is that a reason to have your credit score reach bottom level? Please review this and make all necessary adjustments or corrections. 

Thank you for your attention to these matters which are critically important to me. 

Yours truly, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( Comprehensive and Summary Fraud Reports )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The resolutions given by the agency for the previous case were to validate all accounts and to state that I was disputing the accounts that were correct when my issue were with the ones that I could not verify on my report. Once I received the mail response I used the confirmation number on the report to file a dispute online, providing statements from the guaranty agency collecting my student loan and all of my loans from the national student loan data system. I had requested an update to the account statement one the student loans I was not in dispute with. The resolution from the full reinvestigation came through today, and for the accounts that were not reporting correctly the result of the investigation was to only remove the historical data. The balance, open status and incorrect statement on those accounts remain, but there was no mention that any of the remaining information was verified by the source as done with the issues with the student loans that were not in dispute but I was wanting the statement that I was disputing them after resolution changed. For those accounts, they refuse to remove the additional information because the source reported it that way, but I never disputed with them and in fact I am close to fully rehabilitating those accounts and have no issue or complaint with them. Any dispute was made from however Equifax presented their request for verification of my loans. I keep disputing the agencies claim that I 'm disputing those accounts after resolution solely because they investigated the incorrect accounts from the start of the investigation and did not look further into the ones that I knew were incorrect until I provided more statements to show the error in those reports. I have never needed confirmation that the verifiable accounts were correct, I knew they were and it frustrates me that they refuse to clarify the error caused by their lack of due diligence. I the issue clarified with the source that their accounts were never in dispute with me, despite what Equifax has told them so that they can remove that statement from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear sir onXX/XX/XXXX I applied for a mortgage loan on a short sale for a condo at XXXX XXXX XXXX XXXX XXXX XXXX l the price was XXXX of which I was putting XXXX down. I used Bank of America as I have a XXXX XXXX act. XXXX was directed to XXXX XXXX XXXX at. XXXX XXXX XXXX ex XXXX who after checking my income said I quifled and was directed to loan staff who asked for a ton of paperwork like a year and a month of XXXX XXXX   statements-XXXX income tax papers they wanted me to explain the use of PO box I use 8  years, checks I wrote to a private party for 3 weeks rental in XXXX XXXX. They wanted to contact the owner of a private mobile home park that I rent a site in and said he never call back but did n't give him a ext. # They gave me 5 different loan offercers who ask me for material witch was already sent. XXXX XXXX who l had the most context with made me to believe once she received this or that the loan would be approved. XXXX XXXX led me to believed he was the prospered to close loan XXXX XXXX  who is a superviser # XXXX ex XXXX made me believed she could take care of things. XXXX XXXX to me she. Has e very thing she needed but soon dissapered. XXXX ext XXXX had a short life too. XX/XX/XXXX  XXXX XXXX sent a ciosing statement final figures TBD. On XX/XX/XXXXXXXX XXXX caiisd and  said w e had short sale approval. I had until XX/XX/XXXX to close on this condo. I received a call from XXXX XXXX telling me the area was not in a approved zone for a mortgage from them I believed because of my age XXXX they tried to discorge me after 10 weeks of paperwork they led me to believed approval was coming I stayed in motels wor weeks waiting for approval why would checking to see if condo was in a approved was one of the first things to do was n't done before all this time and expense was XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief