BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a student loan forgiveness request to the Federal Student Loan Service on XX/XX/XXXX ; a copy of the application was sent be certified mail. and arrived about a week later. Both have been confirmed as received. They are not separate applications, but two copies of the XX/XX/XXXX application. The application guidelines state that the service provider may take up to 120 days to process. It has been more than 120 at this time. When I called to request a status, employee # XXXX of Federal Loan Service stated that they are overwhelmed with applications, the 120 days service response was no longer valid, and he could not confirm ( despite my early submittal of application in XX/XX/XXXX ) if they would be able to process the application by close of the program in XX/XX/XXXX. I asked if he could confirm that I would still be eligible, if their staffing issues prevented my application being processed by XXXX, and he would not commit to my application remaining eligible despite their staff issues. So ... what this appears to be saying is that, despite my being eligible for the TEPSLF program, I could lose my eligibility if the service provider fails to respond in a timely manner ( something over which I have no control ). Can you confirm his statement is correct and, if it is, whether a policy can be put in place that eligible applicants who submitted in a timely manner will retain eligibility regardless of how long it takes for the service provider to process the application and even if it exceeds the XX/XX/XXXX program closure?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The police told me to dispute charges because of an problem with XXXX XXXX I didn't they didn't follow through and took my money now I'm in debt and can't pay my bills because of there mishandling of the money and paperwork

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 2015-08-20
Company: Premier Portfolio Group
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a voicemail from ( XXXX ) XXXX, which was from an individual named XXXX from Premier Portfolio on XXXX/XXXX/15. I returned his call on XXXX/XXXX/15, and spoke to an individual named XXXX who indicated I had committed a fraudulent crime by not paying a debt. I attempted to ask for a validation of debt while explaining my current situation, and inability to pay. She would not listen, spoke over me, argued with me, threated to prosecute me to the " fullest extent '' and hung up on me. I tried to call back and speak to XXXX, the initial person that contacted me, and individual named XXXX answered. XXXX transferred me back to XXXX, and she asked me to stop calling because no one wanted to help '' me in their office. I attempted to request information to determine if this debt is legitamate, if it ineed is -I am not trying to run or avoid it, and would like to take care of it but was told to cease calling their office ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on my first house on XXXX XXXX of 2016 and my mortage company Ditech has not paid my property taxes for 2016. They have had the bill since XXXX of 2016 and I have been getting the run around over the phone with them. I am about to have a lein on my property

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX we were having trouble making our mortgage payment of {$1500.00} to Ocwen Servicing LLC. The interest rate on our mortgage loan is set at 10 %, so Ocwen suggested we do a loan modification to bring down our interest rate to something more affordable. 
We were asked to send in our XX/XX/XXXX XXXX XX/XX/XXXX income tax returns along with bank statements, pay stubs, and a financial obligation questionnaire. All paperwork was faxed in XX/XX/XXXX. They called in XXXX and said they were missing the XX/XX/XXXX tax return so I emailed it and was told that the loan was under review and they would call in XX/XX/XXXX. In XX/XX/XXXX I was told it was still under review, in XX/XX/XXXX same story ... my loan is still under review. I asked in XX/XX/XXXX if I could make a payment and was told NO that they could not take any money until the paperwork for the modification had been decided upon and completed and was told they would call again in XXXX. In XX/XX/XXXX I am told a decision still has not been reached and they would call in XX/XX/XXXX XX/XX/XXXX I am told they have no decision and will call again on XX/XX/XXXX. On XX/XX/XXXX I am told they are missing the XX/XX/XXXX taxes and will need me to resubmit this and will call me again on XX/XX/XXXX. Again I asked if I could make a payment and was told NO, not until a decision has been reached. In the meantime I am now 6mns behind and am not allowed per Ocwen to make any payments while the interest on my loan and the amount I owe towards payoff continues to rise and my credit score continues to drop as they report to the bureaus that I am late on my payments. I am worried they are pushing me into foreclosure by not moving on a decision and I am not understanding why.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: ECMC GROUP, INC.
State: IN
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:
XXXX, sitused in XXXX, Indiana, has a collection agency contract with the Indiana Department of Revenue. By statute ( specifically Ind. Code 6-8.1-8-4 ), the Indiana Department of Revenue may hire special counsel or a collection agency to collect judgments from tax warrants ( let me add emphasis that the collection agency bit ONLY relates to judgment by warrants -- a point I will get to a little later ) ; however, the statute does not say that a collection agency can stand in the stead of the Department. 

Premiere takes the position that it IS the Indiana Department of Revenue when enforcing this debt ( they work on a contingency basis -- less than 11 % ) and does not follow ANY of the provisions of the FDCPA. Their contract, evidencing the contingency fee is online. 

More specifically, on Tuesday, XXXX XXXX, XXXX, they initiated the first-contact with the debtor. Debtor was informed that she had 24 hours to agree to a payment agreement that consisted of approximately $ XXXX over a 4 month period. If debtor did not call back in 24 hours and take this deal, they would merely garnish her wages. 

There was no initial letter substantiating the debt. There is no opportunity for her to challenge the amount owed. There is no notice that lays out which portion of the debt is the tax owed or the collection fee. Nothing ... nada. Just " you owe this '' and if you do n't agree ... .bam. 

As if that 's not offensive enough, let 's walk through that whole judgment arising from a tax warrant. The Department of Revenue 's own interpretation of that statute is, " DOR may contract with a collection agency if an unsatisfied Tax Warrant has been issued by DOR ... '' and " Tax Warrants not collected by a sheriff in 120 days may be sent to a collection agency. '' See page XXXX of their contract with Premiere, accessible here : XXXX A tax warrant is actually recorded in the country where the debtor owns property or lives. And, a collection agency is " paid '' by " filing an amended warrant ... and adding the [ collection ] fee, '' which is predetermined by the XXXX and budget agency. ( See Ind. Code 6-8.1-8-4, again, for all of this. ) This debtor has always lived in XXXX XXXX, Indiana. 

There are no tax warrants filed and outstanding for the debtor. Their warrant system goes back to XXXX. 

So, you have a collection agency that was n't properly hiring, collecting on a debt they are n't authorized to collect, and using tactics that are reserved for a state agency -- all the while thinking they stand in their stead and, thusly, no pesky FDCPA rules apply. 

I just ca n't with this one ...

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 2022-06-02
Company: PulteGroup, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Accusation against, Pulte Homes of Minnesota, LLC : deceptive predatory lending practices, deceptive trade practices, fraudulent misrepresentation, by engaging in high sales pressure to sign an unconscionable contract ; i.e., the purchase agreement, stating that without signing immediately the seller would offer to another buyer, thus not allowing the potential buyer adequate time to review the purchase agreement. Additionally, the sales consult ( XXXX XXXX ) pre-qualified the potential buyer based on 3.25 % interest rate, and lower principal price than expected at closing ; therefore, deflating the expected value of the townhouse ; inducing the buyer to commit to signing the purchase agreement. Furthermore, Pulte Mortgage ordered a conditional loan approval based on falsifying the potential buyer credit-debt-ratio ; e.g., XXXX XXXX  denied potential buyer financing based on credit-to-debt ratio ( student loans ) ; on XX/XX/2020. The conditional loan approval with Pulte Mortgage expired XX/XX/2020 ; Pulte Mortgage did not contact potential buyer. The potential buyer contacted Pulte Mortgage XX/XX/2020, and was informed about an increase in interest rates. Seeking a new lender ; aforementioned XXXX XXXX, by which, potential buyer was denied financing based on credit-to-debt ratio ( student loans ). The potential buyer contacted XXXX XXXX, XXXX XXXX, and XXXX XXXX ; via email ; stating the inability to perform the obligations of the purchase agreement, and asked for the return of deposits totaling {$25000.00}. XXXX XXXX offered to process cancellation through XXXX XXXX, but inferred the inability to return deposit money. Pulte then proceeded by offering approval from their lender, without consent or signature from buyer, and emailing a closing date. Buyer replied XX/XX/2020, and XX/XX/2020, restating the inability to perform the obligations in the purchase agreement, and asking for the deposit of {$25000.00}. As of XX/XX/2020, no response has occurred from Pulte Homes of Minnesota , LLC ( XXXX XXXX, XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2016-05-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Over the last six ( 6 ) months, since XXXX XXXX till today, I have been unable to get my free Annual Credit Report from the Experian Credit Reporting Agency online from the government authorized website : XXXX even after numerous attempts on several different occasions including today. I always keep getting the same message from Experian as folows : " A condition exists that prevents Experian from being able to accept your request at this time. '' My last free Annual Credit Report from Experian is dated XXXX XXXX, XXXX, over three ( 3 ) years ago, which I had no problem getting online from the said website. 

Please instruct Experian to allow me to get my free Annual Credit Report from Experian online through XXXX at the earliest, and let me know. I had no problem getting the same from XXXX and XXXX. Thanks, please do help and let me know.

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 2016-11-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company XXXX XXXX filed a debt on my credit report after I disputed debt with them. They have even sent me letter showing proof I am disputing because they have requested more info. 
Also they have now sent me a letter offering me to pay half the debt, which makes no sense. It is not mines and should never have been put on my credit report. 
Under the law I have a right to dispute a debt.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never received any material from this company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: NJ
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 account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( 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 ; also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Ive been trying since the covid pandemic began to get Bank of America to refund the fraudulant withdrawals to my CA edd prepaid debit card in the amount of {$700.00} on XX/XX/19. 
Was assisted by journalists in touch with consumer in similar situations and things were looking promising for the bank to come clean and make the refund. I even got a refund letter saying a refund was being made and they considered the case closed. When no refund was issued I contacted them and apparently because of rampant fraud they had closed my original account and opened a new one, but since the system could not refund into the closed account, I still have had no access to or received the refund that was promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Incorrect information regarding an account was listed on my credit reports from all XXXX agencies. I filed disputes, shortly after XXXX and XXXX both made a correction and the account is now in good standing. After repeated attempts with Experian, they have not corrected the issue. Experian lists the account as negative despite being provided the proper documents. They have also failed to provide a description of how they processed my dispute, which I requested per my rights. 
This is the verbiage of my dispute to Experian : " This account relates to a dispute with the XXXX in XXXX that was resolved in XXXX. The XXXX claimed I had a past due ( in collection ) and I claimed I was owed because of overpayment. The XXXX conducted an audit and determined that I was indeed owed the same amount they claimed that I was in arrears. I received a refund in XX/XX/XXXX. I have included copies of the audit and refund documents. Can you please update the negative account in my credit report? Thank you. '' I have attached documents clearly showing the account should never been in collections XX/XX/XXXX. Please disregard the yellow highlight on one of the docs as that was for another matter. 
Thank you CFPB! 
XXXX 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 explanation
Consumer complaint received 2016-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone:XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I recieved a 1099-G saying that I needed to pay taxes on {$6000.00} ( unemployment money ). However, I never recieved this money. Bank of America realized there had been some fruad on my account and therefore they began to dispute the charges. All the charges have been disputed and I have been credited for the amount. However, Bank of America does not work in conjunction with the state of Nevada 's unempoyment anymore. They said they need to mail out a check because they can not issue me a debit card for the reason in the last sentence. I requested the first check ( {$2500.00} ) on XX/XX/22 and the check never arrived. We went ahead and cancelled the first check on XX/XX/22. On XX/XX/22 I requested a new check to be sent out again. This check never arrived either and we cancelled this check. We then sent another request for the check to be sent out again but to my parents address. This check request was submitted on XX/XX/22 and it still has not arrived!! I called on XX/XX/22 and they informed me that the rest of the {$6000.00} has been disputed and asked where I wanted this check ( {$3500.00} ) to be sent to and I replied to my parents home ( XXXX XXXX XXXX, XXXX, NY, XXXX ). They mention that the check could take up to 45 days to arrive so I nderstnad that the second check may not have arrived because it is still in that window. However, the check for {$2500.00} should have been mailed to me back in XXXX! I have made 3 attempts to get the money in which I paid taxes and all 3 times I have failed to recieve anything. 

XXXX, I can be contacted here if you need anything more.

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
Consumer complaint received 2016-11-28
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
CREDIT REPORTING COmpanies are required to give a free credit report annually. When I went on line to request my Experian credit report, as I do every year, I filled out all the information, and got this message : " A condition exists that prevents Experian from being able to accept your request at this time. '' And was told to submit a form in writing. I XXXX that phrase and found that thousands of other people are getting the same message. It seems obvious that Experian does not want to provide their required-by-law free credit reports and is doing this to discourage participation in this useful service.

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