BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint involves Select Portfolio Servicing ( SPS ) attempting to collect a debt that they do not have any financial or legal interest to do so. Further, SPS again failed to respond to the specific request for information submitted through the CFPB complaint portal. I received a letter from SPS dated XXXX XXXX, XXXX, which claimed SPS was " a servicer for the registered shareholders of XXXX XXXX XXXX, Mortgage Pass-Through Certificates ''. According to the SEC, there are no shareholders as of XXXX because the trust was dissolved/terminated, according to their records. SPS has failed to prove XXXX XXXX XXXX, Mortgage Pass-Through Certificates still exists and provide information about the registered shareholders of the trust they represent. Further, when I contacted the former Trustee of XXXX XXXX XXXX, Mortgage Pass-Through Certificates, XXXX Bank, I was told they have no interest in XXXX XXXX XXXX, Mortgage Pass-Through Certificates and that those certificates were terminated in XXXX. My specific request of SPS is the following : 1. XXXX XXXX XXXX XXXX, Mortgage XXXX Certificates exists. 
2. Prove there are shareholders to XXXX XXXX XXXX, Mortgage XXXX Certificates that you represent 3. XXXX XXXX Bank is the Trustee. 
4. SPS counsel sign an affidavit stating they have examined all documents submitted to XXXX XXXX County Recorder 's Office and certify there is NO fraud. 
5. Document the individual person ( name, title, contact info ) whom SPS has spoken/met with who has direct knowledge of the facts of the alleged loan you are attempting to collect by foreclosing on my home. Also, provide the date, time and evidence the conversation ( s ) occurred. NOT A COMPUTER PRINTOUT OR A COPY OF A DOCUMENT FILED WITH THE COUNTY RECORDER 'S OFFICE. 
6. Provide verification that the person who signed any documents provided to the XXXX XXXX County Recorder 's Office involving my home worked for the company they purport to represent on the document.

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 2016-12-13
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Obtained a Home Loan and gave a Mortgage to XXXX XXXX XXXX as nominee for Quicken Loans, XXXX on XXXX XXXX, XXXX. The servicing of this loan was turned over to XXXX. On XXXX XXXX, XXXX I refinanced my loan with XXXX XXXX Bank and it wired the payment to XXXX on the same day. However, no Mortgage discharge was prepared or filed. Quicken Loans said they ca n't provide a Discharge. XXXX ca n't provide a Discharge and XXXX is not in business. XXXX is servicing XXXX loans that are still active, but are unable to provide discharges for loans that were paid off in XXXX. 
My wife and I sold the home on land contract and the purchasers are ready to pay off the contract and close on the purchase, but title work requires a Discharge be filed on the Quicken Mortgage. 
Since the Quicken Mortgage was never assigned, it should provide the Discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The current holder of the student loan provided a XXXX for XX/XX/2016 that showed XXXX interest paid. I calculated the interest from their website and paid {$1000.00} in interest, which their representative acknowledged. When I contacted the lender they advised that they had over-reported my previous tax years interest payments, so they were making an adjustment this year ; therefore, they will not report the XX/XX/2016 interest paid. If their records show I paid more in interest, that means I paid less in premiums so my loan is not being paid down as it should. Two problems : 1 ) I do not get credit for interest paid in XX/XX/2016, and 2 ) by the lender applying a larger percentage of my monthly payments to interest, I am not getting full credit for paying the premium,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

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 2017-03-17
Company: NAVY FEDERAL CREDIT UNION
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I previously submitted a complaint on XX/XX/2017, case # XXXX against NFCU. The response is still pending. However I have been working with their Personal Finance Department, XXXX - XXXX. Now she has helped to put a few of our accounts on pymt plans, great. Problem is there are 2 accounts still outstanding that we continue to get collections calls from NFCU from daily reason being I am the secondary account holder on the accounts & my husband is the primary but he is XXXX military & currently XXXX. I have begged & pleaded with NFCU to just put these last 2 accounts on the pymt plan so we can move on with our lives.NFCU insists that they must speak with my husband, no matter how much I tell them I do n't know his schedule or specifically where he is. He has even emailed NFCU via NFCu account website begging them to please just talk to me & work with on a pymt plan on these last 2 accounts so we can get a solution & put an end to the constant collection phone calls. I myself have had some medical issues & was just sent home from the hospital today. All we want is a conclusion to our previous request in my 1st complaint dated XX/XX/2017, a lower payment plan for a period of time. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: FIDELITY CAPITAL HOLDINGS, INC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
in 2010 i just graduated from XXXX and rented a room on a 30 day trial run to see if i could make it as a XXXX. they had a small business which rented rooms to XXXX XXXX and another XXXX. a lady selling credit card machines invited us to all group together to use XXXX terminal and each have a specific number for each of our transactions the lady sat us down all together and verbally told us there were no commitments until 30 days and if we closed after a XXXX period of time the contract would be voided. if i sent her a picture of the empty room in which i did close with in the designated time before i became locked in the contract after the 30 day trial. everyone of us shared the terminal and we returned it within the specified time frame when the salesperson came to see my closed XXXX. i had not had a XXXX and did not even have a rental agreement for the room.which also was on a trail basis.i did n't even meet certain guidelines for even being able to get the offer of a terminal .that 's why she said it was a trail run.because i did n't qualify until i had the correct paperwork and XXXX which i could not afford to do. I was not the only person w a contract and if i did n't use the terminal alone there should be others that can verify the verbal agreement of the trial 30 day term.please try to help.the representative did not tell us the truth when we signed the paper.she said that there would be no problems that she would guarantee us that we were not responsible if we could n't afford to stay open.i could n't even pay for my supplies.why would i obligate myself to a huge contract? and the rep knew that and she still trapped me into signing along with other people who signed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: The Shindler Law Firm
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ATTORNEY FOR XXXX KEPT CALLING, SKIP TRACING AND SERVICING LAWSUIT TO WRONG PARTY IN VIOLATION OF TCPA AND FDCPA ETC.. 

DEBT OWNER IS ESTRANGED SISTER-IN-LAW.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinance my house on XXXX XXXX, XXXX and opened mortgage with Quicken Loans. 
My monthly payment on 30 years fix interest loan was XXXX On XXXX XXXX, QL against my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since XXXX XXXX I made over 10 requests to close Escrow account. QL refuses multiple requests to close escrow account unless I apply for new higher percentage loan. 

QL uses an Escrow account to frequently modify the amount of monthly payment, and charge me a fee if I can not pay new payment within the grace period. 

In XXXX XXXX clerk at XXXX XXXX collector office told me in person that I could make payment on real estate tax anytime until XXXX XXXX without incurring any additional fees. QL did not inform me about its intent and on XXXX XXXX, XXXX decided to pay XXXX XXXX collector office and present me with a bill. 

On XXXX XXXX, XXXX QL purchased second real estate insurance ( in addition to one I already had ) for the amount of XXXX. I complained and on XXXX XXXX, XXXX, QL issued a refund of XXXX. 

On XXXX XXXX, XXXX QL decided to pay XXXX XXXX collector office again and present me with a bill. My real estate taxes was paid by me in XXXX XXXX ( one month prior ) and QL issued a payment on taxes that is not due yet. Furthermore, QL paid on taxes that are not billed yet. 

I am asking QL to issue a refund of {$3800.00} because I already paid the second installment of XXXX taxes on XXXX XXXX, XXXX, close escrow account, and stop making payments on my behalf to entities that not even requesting payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
they took off all of my good credit reports from all XXXX reports. 
and I want them to put it back on all XXXX reports.

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 2017-01-25
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a Debt from AR RESOURCES INC {$260.00} DEBT WAS DISPUTED. RECEIVED A LETTER FROM THIS COMPANY. 
Please be advised that your above referenced account has been closed in our office. 
AR Resources, Inc. will notify the credit bureaus to have this account removed from your credit report. 

I checked my XXXX credit report and this is still listed on my credit report. This was disputed with XXXX and they advised that it was verified. How can this be verified when AR Resources has advised account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion, XXXX and XXXX are reporting an unverifiable, inaccurate bankruptcy on my credit report. From the court name, to reference number, all the information is reporting inaccurately and WRONG. These reporting agencies claim to have gotten this information from XXXX XXXX. XXXX XXXX has sense removed this inaccurate information, and currently are looking to be sued by my attorney for the damages brought to my credit report. Furthermore, the court house whom is the original creditor, responded that they do NOT furnish this information to the credit reporting agencies nor do they furnish this information to third parties such as 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 2020-01-20
Company: WELLS FARGO & COMPANY
State: CA
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: Problem with personal statement of dispute

Complaint:
mY COMPLAINT IS WITH XXXX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/2017. 
MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE XX/XX/XXXX TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT.

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 2017-04-08
Company: Navient Solutions, LLC.
State: VI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I applied for a student loan with XXXX XXXX in XX/XX/2006, which was only supposed to be a 5 year loan. The length of the loan has doubled, because they continuously sell the loans to new institutions, causing it to restart. Currently the loan is now with Navient, and for some reason they have managed to divide my loans into several mini loans, which I assume results in me paying extra in interest. Also, my primary issue with this institution is the fact that they have reported my 30 day late payment which was caused by them, as a 60 day late payment. Last year, my loan was with XXXX, and I had my account setup in a manner in which the payment due would be automatically drafted from my account. I then received a letter stating that my loan was being sold to Navient. However, I did n't realize that the auto drafting of my account would no longer be in place. I received a call from a Rep, stating that my account had a 30 day past due balance, a well as a current balance. As a result, I explained the situation and immediately provided payment to the Rep to take care of the past due amount.I also made arrangements to draft the remainder. Instead of applying the first payment to the past due amount, they applied it to the amount that was currently due, and never drafted my account for the remaining balance. As a result of this, I had a 60 day past due balance, which they reported on my credit report, which absolutely does n't make sense to me. I 've spoken to them and even had the call escalated, but they refuse to make adjustments despite them clearly making a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: AES/PHEAA
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 was forced to move due to COVID and was XXXX XXXX XXXX taking care of COVID patients in XXXX OH. I never received information regarding my AES loans being late and my credit was hurt by them reporting delinquent account status. My loans were {$15.00} a month at the time and when I recertified for income based repayment my loans were {$0.00}. 

I never once received communication that I was late for payments until my credit report was hit with deliquent status. I have pleaded with this company to remove the negative marks to my credit with no avail. They consider it a courtesy however I was never notified ; how in the world can this be just reporting? I have since paid off the loan with a {$15000.00} payment from my checking account. I need help getting this removed from my credit report. It is absolute madness that this is allowed to stand. 

The company has had me dispute this credit reporting several times to no avail and provides absolutely zero help with getting this issue resolved. 

PLEASE HELP Desperate XXXX- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am attempting to avoid a foreclosure sale. I have applied for mortgage assistance. I have received no written decision. If I was declined, I was not provided my 30 day right to appeal. If I was approved, I have not received my written approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Accurate Financial Partners
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Company is calling from unknown number and leaving threatening voice mails on myself and all of my family member 's telephone numbers. He leaves a call back number of XXXX. He threatens to come to my place of business or home and serve papers to have me arrested

Company response to consumer: Untimely response
Consumer complaint received 2016-05-21
Company: THE VALLE LAW FIRM, P.A.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt originated from a lease break on an apartment. The debt owed is {$2400.00} as per the lease agreement with XXXX, and also the previous debt collection law firm of XXXX. This new company, Valle law firm in XXXX, Fl sent me a letter today stating that I owe {$130000.00} to them on behalf of XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Other

Complaint:
Hi, I filed for price protection for discover credit card. I submitted all the required documenation as per mentioned in price protection policy. However, they told me later i need to submit documentation pertaining to return credit from the same store for last 2-3 months. This was not mentioned in price protection policy and i did not save the return receipts. Discover customer representatives told me that they agreed that it is not mentioned in policy. I need to know why they are not honoring my claim if it is as per the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was never late with a payment. Had some personal issues and my husband and I separated. He was XXXX XX/XX/2015. I requested a loan modification and was sent a repayment plan where I would be paying double the normal payment. I turned it down because if I could n't afford one how could I afford more. During their decision making process they said I did n't have to pay if I could n't, therefore I am now considered delinquent as I 'm 72 days behind, I 've been turned down for HEMAP and I 'm not sure what to do next. Things are back to normal, my husband and I are back together and can make payments, we just need help getting caught up with the back payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Nelnet, Inc.
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have repeatedly contacted Nelnet for assistance in designing something that will allow me a payment that I can afford. The information that I have been given has been completely misleading, several times, and in actuality false. I have continued to contact them, never getting any assistance. I was told to consolidate my Parent Plus Loans - this was last fall. After I had been told previously not to do so. I questioned Nelnet thoroughly about this and was assured it was the right thing to do. And then my payment more than doubled. I was then told that it was because I had consolidated. Which was the advice given to me by the Nelnet load advisor. 
I have been through XXXX different sets of paperwork, all different, all needing the same information. I have called and spoken to 6 different people, none of who could tell me the same thing - except they had a " program that I qualified for '' in front of them. Each time I was given false information. Each time Nelnet could keep getting interest accrued on my account. The last person, a supervisor named XXXX approved a Mandatory Deferment, based on my net income, not gross income. I asked several times if that is what she meant and I was assured that it was. I again completed paperwork, only to find that AGAIN I did not qualify for any help - and my payment would stay the same. I have been clear with them that it was because of their misleading information and seemingly untrained staff who give out false information that I feel as if they have conned me. At this point, while they say I can pay the 20 % of my income, I can not. And I have repeatedly said I would pay {$100.00} per month. I am being financially crushed. I am a XXXX year old widow. I helped my daughter complete college with the Parent Plus Loans. I went to college when she was young to better myself. I am not better off at all, if anything I am worse off. I need assistance and a solution.

Company response to consumer: Closed with explanation