BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
Company: PHH Mortgage Services Corporation
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My house flooded during the recent flood in La. I have flood insurance, and a check was written to cover damages. However, it is made out to me and the mortgage company. All of the damage to my house is cosmetic, sheetrock, paint, and flooring. I have XXXX. Despite these facts, my mortgage company will not let me self repair, they say I must use a contractor. Contractors are backed up for months with work, and prices are double and triple what they would be under normal circumstances. I have asked the mortgage company to release part of the money so I can obtain materials and do these repairs myself. They refuse. I desperately need this money so I can repair my home, and need them to allow self repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We are in desperate need of help as our mortgage is pending a foreclosure sale and our bank will not help us. We purchased this home XXXX XXXX XXXX. We had done a refinance with XXXX XXXX XXXX of XXXX. We defaulted on that mortgage in XXXX of XXXX and the reason for hardship was due to our families including immediate family was in XXXX during the earthquake XXXX XXXX XXXX. We had to fly to XXXX and bring back our nieces and nephew after both my sisters were killed leaving the children orphans. Between the funeral costs, travel costs and taking in the XXXX children, we had no more savings left to pay the mortgage. We applied for a modification and had been approved for a trial modification which we completed and was approved for a step rate modification XXXX XXXX XXXX. The step rate schedule startedXXXX/XXXX/XXXX-XX/XX/XXXX with the rate 4.025 % ; XXXX at 5.025 % ; XXXX at 6.025 % ; XXXX at 7.025 % ; XXXX at 8 %. 
XXXX/XXXX/XXXX XXXX was hurt on the job after 18 years of employment and had to go on workers comp. We had applied for a temporary hardship due to this significant income reduction and was approved for a 2 year temporary modification on XXXX XXXX XXXX through XXXX/XXXX/XXXX reducing the interest rate to 1.025 %. After the two years were up, the payment would go back to the terms of the original modification as explained above. My workers comp was {$270.00} a week. We defaulted on this temporary modification XXXX XXXX XXXX after the workers comp had ended. I had been going to court over the XXXX until it was finally determined he was XXXX as of XXXX XXXX XXXX. The XXXX date I was entitled to benefits was XXXX XXXX but if you review the award letter I have attached, I did n't receive the retro pay or monthly payments until XXXX XXXX XXXX. So for 24 months, XXXX had no income other than the temporary XXXX which was less than {$XXXX} a month which barely covered the cost of parking for the hospitals after the XXXX. 
Since XXXX is now receiving permanent XXXX of {$XXXX} a month and XXXX 's income, we are making {$XXXX} a month in gross income and taking home {$XXXX} combined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
this company keeps on calling my sister and harasses her that they are going to arrest me if she does not give them the message. they told her they are a debt collector however they should not have disclosed who they are. she keeps telling them to stop calling. they call her every week at the number noted. she is really angry and would like the calls to stop. I also would like them calling her as my reference.. they are rude and threatening her all the time. this is a 3rd party collection agency and have no idea who they are. please tell them to stop calling my reference and quit harassing her during day while she is working.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a current account holder and have maintain a pre-existing business relationship with One Main FinancialXXXX, TX. I requested on XXXX office visit and submitted my written request to be placed on a monthly Payment Plan, so I don't fall into default on my loan. 
The reason for my inability to maintain the original loan payment is due to a wide range of conditions which have affected my ability to maintain the original monthly charges. These include unexpected medical debts, pandemic expenditures over a prolonged period, rising costs of living, economic inflation, and the dollar amount of my fixed XXXX income. 
Under the Texas law I should be able to be placed on a payment plan which I was refused. I have acted in good faith in trying to pay my loan but recently treated unfairly when I asked to be placed on a monthly plan to avoid default actions.. Rather, I was placed on 2 deferments for half of the original payment amount I struggled to pay in XXXX and XXXX. I was informed by local office that corporate policy allowed 2 deferments options per year only and I would have to return to original payment amount for XX/XX/XXXX. I was clear in informing the staff at that time, in person and by phone that I just didnt have the funds. I asked and asked to be set up on a monthly payment plan I could afford not a fixed price they dictated. I hand carried a {$75.00} payment for XXXX payment which was refused and not accepted. 
My interest rate of 29.62 % I was told could not be readjusted or refinanced, loan dated XX/XX/XXXX and is At this time, I can afford to pay {$50.00} per month over the next 6 months and hopefully be able to restart my normal payments in XX/XX/XXXX. I am open to an XXXX Hearing and wish to avoid default and negative credit report. In addition I requested w my interest rate of 29.65 % could not be adjusted or refinanced at a lower interest rate and Loan taken out in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. ) My account indicates that my payments will increase, even though I have made payments on time for the past 7 years. My payment amounts increased from {$220.00} to {$680.00} for no reason. They have no right or reason to keep raising payments.
2. ) My account indicates that I have been only paying on interest and not on the principal of my loans. Over the course of 7 years, on some accounts, it appears that I have not made any progress in paying off accounts at all.
3. ) My account indicates that in 2012 a number of " disbursements '' were made on my behalf. I was not a student and did not receive any of these disbursements, one amounted to {$27000.00}. This significantly increased my balance.
4. ) The Navient loan company was recently sued for harming student borrowers though the repayment process. They are cause me a lot of harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: TX
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:
FRCA Violation credit card late payment XXXX FRCA Violation auto loans late payment XXXX XXXX XXXX FRCA Violation student loan late payment XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FRCA Violation credit card late payment XXXX FRCA Violation auto loans late payment XXXX XXXX XXXX FRCA Violation student loan late payment XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXXXXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not made any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there were unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2017-01-19
Company: Navient Solutions, LLC.
State: DE
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:
Navient took over my student loan and never worked with me for a repayment plan. They attached so many fees that now, when I went to reenroll in school, I ca n't because their fees pushed me over the maximum allowed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 'm entitled to a method of verification as I have asked for and if they are unwilling to provide  one the information must be deleted. The credit reporting companies are not a ddressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had went thru bankruptcy. And then was ok but seriously almost death 2 XXXX  I became XXXX fell behind ended up haven't to stop paying the super 12 % interest citi mortgage as was focused on trying to save home as chase was foreclosure in process ok so get chase to modify some then had reached out in XXXX  to citi bank to start paying some how to fix the mess and was told 2 different times ( my wife made me call 2nd time to hear what was said ) but at that time I was told loan had been charged off ..and there was no department to talk to ... so here I am thinking ok ..presents from XXXX ... ... .by my calculations I had in 10 yrs of being trapped in this loan 12 percent paid them XXXX which is XXXX over the original mortgage amount I taught ok great they wrote it off on tax or something but now trying to refinance home to get lower rate from 8 to 3.25 ... .well citi bank comes up as a lein I tried to set up something to fix this and they told me a dream lie. ... predatory Leander 12 percent fast talking sales got me roped into this mess. So I not happy now I more likely can't get refinance. And they have made profit of XXXX above already. Help me please

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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please delete this account from my credit report because they are reporting inaccurate information. The company XXXX XXXX  # : XXXX. This company XXXX is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/2019. However, they are reporting 2 separate dates, XX/XX/2019 and XX/XX/2019. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. The CRAs have an obligation to report accurate information, please stop this company from damaging my credit with this incorrect information.

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 2015-08-08
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have held a mortgage with PHH Mortgage and its predecessors for the past XXXX years. I refinanced with them XXXX years ago for the same property. Since then, they have instituted aggressive collections calls when my mortgage is not even overdue. I have never paid this mortgage XXXX days late nor have I paid a late fee for being past the grace period. I do n't understand then why they call daily from their collections department every month if I do n't pay exactly on the XXXX. It usually starts with robocalls on the XXXX. And I do n't want to pay them until my tenants ' rents are paid. Their XXXX outsourced call center is incompetent as well. I told them to not call me but they said they would continue to do so. And they call cell and home multiple times. They told me they want me to sign up for automatic withdrawal or they will keep calling. Well, I do n't trust them with my checking account. They have n't proven to be trustworthy. I see no basis for calls when the bill is not overdue. I always pay by the XXXX. Usually the XXXX. I have another mortgage with the same company, and they never call me regardless of when I pay. This second XXXX was n't refinanced and is the original loan. They are both on the same servicing website XXXX It makes no sense and is very offensive. Please help until I can refinance and dump them. The actual loan rate is fine. It is just their utter disrespect and incompetence I ca n't stand. Since when does a company start collections on someone every month and insult someone who chose to keep them when they refinanced? Had I known, I would have found someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
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: Account status incorrect

Complaint:
I have tried multiple times to call Experian. It is impossible to speak to a live person. No matter what number you call. Their automated messaging NEVER gives you the option. I tried to file a dispute about our mortgage with XXXX/XXXX  XXXX that was paid in full last year but still showing as owing a balance and active. This affected a recent loan interest rate because it showed I had a balance on 2 mortgages which I do not. Because I have filed a dispute once in the past regarding this same issue Experian does not allow you to file a second dispute for the same account. Most pathetic customer 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 explanation
Consumer complaint received 2020-03-27
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I did an online transfer from Usa to XXXX for {$300.00} us that supposed to be delivered the next day. The money was never transferred although was taken from my bank account. I have called, emailed and texted multiple times and they dont answer and the website doesnt work either to cancel the transaction. Their page in XXXX reports the same issue with multiple costumers. 
Company name Remitly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Financial Credit Service, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received several calls yesterday from XXXX XXXX at ARA. Phone number XXXX. Case number XXXX XXXX. She left a message on my cell phone and repeatedly called my work number. I can not take personal calls on company time. It is not allowed. When I called this morning, she would not give me information regarding this debt. She said it was going to litigation and I was going to be served legal papers. She said she was a Process Server for the county ... but did not mention which county. The little bit of information I did receive was vague. She mentioned a bank account which I have not had for several years. She also mentioned a hospital bill and a towing bill, all of which have been paid. She said she mailed documentation to me and the 30 days in which I had to respond are over. I asked her to send me the information to me again and she said she could n't. The only thing I could do today was pay {$710.00} to cease and desist. I would n't give her any banking information. She suggested I get a pre-paid credit card to pay the amount. I called back and spoke with XXXX and told her I did n't receive any information and was disputing the debt. They would not work with me at all. I either paid {$710.00} TODAY or I would be called into court. They are supposed to be sending information to me in the next week to 10 days and I have to be home to receive a summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Pathfinder Credit Services
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is an item appearing on my credit file under Pathfinder Credit Svc XXXX this is unknown and reporting as owed {$5900.00} and the last payment made was XX/XX/2010. I have disputed and requested validation nothing has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I received an email from American Express regarding my Hilton Honors credit card stating that my credit limit had been reduced from XXXX to XXXX. A secure message was attached stating that American Express had taken this adverse action due to my XXXX credit score dropping to XXXX. The letter also stated that I had numerous negative items on my credit report. This is not true. I immediately pulled my credit reports through XXXX and XXXX and I had no negative accounts and my credit score is close to XXXX. I then contacted XXXX and XXXX verified that my credit report reflected no negative items at all. I have no idea why American Express is stating that they pulled my score and it was XXXX. I am assuming either there was a technical glitch or they pulled someone else 's credit. I have been a proud American Express member since XXXX and hope this issue can be resolved. As anyone can imagine, opening a message stating my credit score was XXXX was alarming and extremely stressful. I contacted American Express customer service and the agent was confused as to why this happened to me. He did state that I could pay down part of my balance to see if the limit could be reinstated but was not certain. I don't mind doing this however my main concern is how American Express got seriously wrong credit information that caused the credit limit reduction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland was written on XXXX XXXX and legal demand was made to validate and prove the alleged debt. They have not responded

Company response to consumer: Closed with explanation