BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I opened a mortgage account with CHASE back in XX/XX/XXXX that account was closed and paid in full XXXX XX/XX/XXXX, in XX/XX/XXXX I applied for a credit card and the application came back rejected, the reason because all XXXX credit reports showed on the status of the account collection charges. I did not pursue the credit card any longer and forgot about my credit report ( because my attorney had written to CHASE and the reply from them was that everything was ok with the credit report institutions. XXXX years later about XXXX month ago I was house hunting, I found the house and the financial Institution that was going to give me the loan said that XXXX of the XXXX reports were showing a account balance of XXXXXXXXusd ( XXXX , XXXX ) and all XXXX showed amount past due XXXX with the account closed XXXX/XXXX/XXXX and their last report had been XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX This should have been fixed the minute the account was closed but XXXX years later the XXXX of the XXXX Credit Reporting Institutions show that red flag making lose the opportunity of acquiring a house at a good price, hope you can help straighten this mess out as quick as possible, thanking you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
In the transition between XXXX and Navient my student loans which were being paid on monthly were thrown into default. I have hired a lawyer to help me resolve this issue, as it is impeding my credit and I am unable to buy a home. The debt collector and Navient both will not respond to neither me or my lawyer. I am eager to resolve this matter and become current on my loans. I owe approximately XXXX and the only response is to pay in full or I can not pay at all. They will not set up payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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:
After studying my credit report, I identified some difficulties that were incorrectly stated. The Fair Credit Reporting Act has given me the power to dispute and correct inaccurate information on my credit report ; nevertheless, the following are also prohibited by the Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
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:
Navient was supposed to simplify my XXXX loans. They did not. They made them worse. Lied about payment options, lied about time to pay off and interest rates. XX/XX/XXXX and XX/XX/XXXX I took out loans for a for profit school, which turns out gave me a degree that is n't even acredited when they said it was. They promised job placement and got none. Told loans totaling {$22000.00} would be paid off in 10 years ... I have never missed a payment. 8 years later I still owe {$19000.00}!?!? Something is fishy here ... I have XXXX private loans too. One account number for all XXXX, but checks have to be sent to 3 separate addresses. Which they do n't tell you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MN
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
My house went foreclosure in 2009, had XXXX mortgages, XXXX mortgage said they served me letter to court which l never got, but later went to the count, it indicated that they had served my daughter who was XXXXyears then who were being watched by my mom who did not know english and it also showed that the house was sold already, and according to what l asked them when l was getting the loan they had said if am not able to pay they were to take the house and not garnish my wages.IT seems they passed it over to the creditors who are garnishing me, and yet when l talked to XXXX they said the loan was written off because they got bail out besides house was sold, and even the credit bureau states that it was deleted by the court and it is written off. so now is there any way l can get help, or should go ahead and file for bankruptcy, please help with better option, am single mom with XXXX kids struggling to make ends meet, and working really hard but this is killing me l need better solution than bankruptcy, because that means l can never get the cheap house for the kids in the next XXXX years, struggle is really and this is really for me please give me quick solution before plan for bankruptcy, Thanks, God bless America, please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I have a XXXX credit card, which appears to be managed by a company called Comenity. I was unaware that I had a {$10.00} balance on the card, I had paid for my previous purchase with a gift card and coupons associated with being a card holder, the XXXX website does not apply credits upon checkout in a way that makes it possible to see what the balance will be after processing. I was never sent a payment request or balance notification and was then charged a late fee of {$11.00} ( more than the principal balance owed ). I contacted the company that manages the card and they refused to reverse the fee after I complained that I was never notified that a balance was due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, my name is XXXX XXXX and I have owned my home in XXXX, New Jersey for 33 years. I am facing a foreclosure auction next month because the company that owns my mortgage Caliber Loan Servicing is refusing to consider any options or giving us a chance to save our home. We know that Caliber could work with us and do something to lower our interest rate ( currently at XXXX % ) or even change the term of our loan ( only 10 years left in the term ) to make the payment more affordable but they refuse. This problem began when the loan was with XXXX ( part of XXXX ). You see I had worked for 40 years as a XXXX but during the financial crash in XX/XX/XXXX I lost my job. I could not find work and survived on unemployment and drained the XXXX that was supposed to be my retirement in order to keep the lights on. 

We began reaching out to get some help for the mortgage at that time but were told the only option was a repayment plan which was temporary and raised our monthly payment. XXXX claimed that since they were not a United States bank and did not take bailout funds that they did not have to help us or work with us. This was heartbreaking and seemed extremely callous. I was not surprised when I found that they were fined XXXX dollars by the government for their unethical foreclosure and business practices. I finally went back to work in early XX/XX/XXXX. I resumed making my mortgage payments until I was laid off of my job about a year ago. During this time period the loan was transferred to Caliber. I once again fell behind on the mortgage and have not been able to find any full time employment ( working doing XXXX work and receiving some unemployment ) that would allow me to resume making my full mortgage payment. 

When that happened I began trying to engage with the agents at Caliber but have made no progress and feel that they are purposely obstructing me from available options in order to push me into foreclosure. I want Caliber to review my current financial circumstances in order to qualify me for any government or internal programs that they have. I am certain that they have the ability to modify this loan by extending the term or lowering the interest rate from XXXX % in order to make this affordable, yet they continually turn your back on us. I also believe they have the option to forgive delinquent interest or to wrap it back into the balance of the loan or even defer it till the note comes due. Why wo n't Caliber even consider these options or give us the time of day? Now they have set a sale date for XXXX XXXX. I know we are behind on the loan, but we expect that Caliber at least provide options for saving our home and to communicate with us regarding these options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are the owners of XXXX XXXX XXXX XXXX , XXXX, CO XXXX. SPS is the current servicer of the loan being foreclosed. 

A foreclosure sale date is currently scheduled for XXXX XXXX, 2015. A short sale offer at a purchase price of XXXX was submitted to SPS last week. See the attached Contract and Short Sale Addendum. SPS also has the attached estimated HUD. 

SPS approved a short sale on substantially similar terms earlier this summer - see attached. Although the purchase price of that contract was {$XXXX}, the current pending offer represents the full BPO value that SPS received for the property. 

Yesterday, our short sale coordinator informed us that he was told by SPS " that there 's no way to postpone that foreclosure sale date because the offer is not under review in the investor wants to foreclose. " That is unacceptable. SPS has a cash offer in hand that meets its BPO value. We have approval in hand from the XXXX lender ( XXXX ) to accept the terms proposed on the HUD, which were previously approved by SPS. All we need to close is approval from SPS. 

If SPS takes this to foreclosure, they are choosing to foreclose on us instead of accepting a cash offer that meets the BPO valuation, and is in hand well before the sale date, which would deprive us of our ability to mitigate our losses by avoiding foreclosure. 

We need SPS to : ( 1 ) review the file they 're sitting on, ( 2 ) issue an approval, and ( 3 ) give us an ample amount of time to close. Both the Buyer and Sellers are ready, willing and able to close, except for the SPS approval. 

- XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with BARCLAYS and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that BARCLAYS claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. BARCLAYS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
My husband and I purchased a house in XXXX of 2013. We used a VA loan through XXXX XXXX XXXX XXXX. They told us what realtor to use. That realtor only wanted to show us properties his agency had and when we did choose a perfect property VA denied it because it had no fridge. They approved the house we purchased however even though there was no fridge. During the purchase the realtor would call us to his office to sign papers XXXX inches thick and told us he was on a deadline he had to send them back immediately. We needed to sign now and read it later and would not allow us time to thoroughly read everything before signing. He was pushing everything through as quickly as possible. We paid {$81000.00} for the place and a week after closing the other houses on the street started selling for $ XXXX {$65000.00}. We found out that our place was only worth XXXX. Now we owe XXXX more than the property is worth. There are a number of repairs that were supposedly done. None of them were done properly. Our local XXXX XXXX Fixed a few thing for us. There is so much wrong with the place that it is going to cost about $ XXXX {$200000.00} to properly fix it all. We have applied for and been denied for every government program out there. I feel like my family has been screwed. We have no options with the bank who owned the property before us. We were told we have owned the place too long. We are a low income family and ca n't afford all that this house needs. I feel like it is going to fall down around us. XXXX of the more expensive issues is that the house is sinking. There are springs that run under the houses on this street. The support columns do n't even touch the house because they have sunk into the ground. The floors and walls are cracking, the stairs are pulling away from the wall. It needs jacked up and stabalized. Is there anything we can do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I went to a company ( XXXX ) for a medical issue that my doctor said was my last resort to avoid the XXXX I had to endure almost monthly. However, the company went bankrupt and gave their contracts to another company to which their lawyers sent out a letter to opt out of the next company and i did. Considering i felt as though it was a scam. I told Comenity that I opted out and they were bankrupt, they told me to go to the other company and try to get a refund. I tried multiple times to get info and refund or even get a location as to where that location was located. After talking to comenity for months telling them I could n't get a hold of anyone or get a refund with multiple disputes, they tell me to go down to the office that is located in the exact spot where I was getting XXXX before ( Am I they only person who sees scam? ). I get in my car and drive down there immediately only to find out that company is bankrupt as well. Comenity, now informs me to send a fax of all my XXXX history. I sent them a fax on XX/XX/2016 stating my contract was special due to my medical issue. That the usual contract was for XXXX treatments, I was allowed unlimited if my XXXX back and that due to XXXX I was able to get XXXX 3 times on other areas, but only once on the area i went in for in the first place, because you ca n't shoot lasers into an open wound. I got a letter back saying that I did n't put in the number of treatments. To which I went to their XXXX page livid asking if they were capable of reading. I got a number to escalated customer service explained the fax and a woman wrote in my exact details of the issue explaining why my issue was not cut a dry. I thought the issue would finally get resolved, but they closed the dispute, said I have to pay and the only way now to open a dispute is to write them a letter and find a copy of my contract from XXXX, that has now been chapter XXXX for over a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have received an incorrect XXXX for XXXX from Caliber Home Loans. The property was purchased on XXXX/XXXX/XXXX for {$56000.00}, paid on for 11 years and sold at a short sale for {$20000.00} on XXXX/XXXX/XXXX. I have authorized my partner to talk to Caliber in trying to resolve this issue to no avail. This has been going on since XXXX/XXXX/XXXX and here it is XXXX/XXXX/XXXX. We have called at least 3 times but have been given the run-around by employees and supervisors. We have talked to Customer Service and Short Sale Department, but no one was willing to listen and re-send a corrected XXXX. We asked Customer Service to send us an itemization of how they came up with the {$100000.00}. We finally received the information requested a month later and quickly discovered the error made by Caliber. The amount written off on XXXX/XXXX/XXXX was {$52000.00}, and it was also written off on XXXX/XXXX/XXXX in the amount of {$53000.00}. Then, the XXXX were added together to total {$100000.00} which is supposedly the amount of debt canceled by Caliber. When I explained this to Customer Service who then explained to her supervisor, the response was they did not write the loan off twice and that the $ XXXX was fees and actually hung up on me. This is totally bogus and should be corrected immediately so we can file our XXXX income tax return. I have attached a copy of this itemization and underlined the errors along with XXXX XXXX. 
I will not be able to testify at a hearing because I am the XXXX for my wife who was XXXX and would not be able to travel to XXXX, TX. 
I would like Caliber Home Loans to overnight a corrected XXXX for XXXX. 
I can not file XXXX income tax return until this is settled. I would like Caliber to over night the corrected XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Resurgent Capital Services L.P.
State: CA
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:
LVNV Funding is reporting a debt on my credit file that I do not owe. I recently looked at my credit report and noticed this debt was reporting. I immediatley called and settled this debt with them. I was never aware that this debt had been sold to a collection agency as I never received any calls or notices. This violates my 30 day right to dispute under the FCRA and it needs to be removed. I am aware the LVNV Funding can remove this as they are the original furnisher and can report to the bureaus as they deem necessary. I have paid this account and am now asking they provide me with a deletion letter for the lack of notice and clear violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: WI
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 have disputed with all three credit bureaus about the original creditor, XXXX XXXX, inaccurately reporting on my credit report. The results always came back verified, never with an explanation from the credit bureaus. I decided to dispute directly with the creditor and I was unable to get a response. I sent a dispute letter to the address listed on my credit reports for the original creditor. The mail was sent back to me as " not deliverable, unable to forward to address ''. If this is the case that means the credit bureaus never investigated my dispute which means there is nothing they could have verified. I do not think it is fair that the credit bureaus are allowed to continue reporting this inaccurate information. It is their jobs to make sure information is reporting 100 % accurately and anything inaccurately reporting must be removed. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, Equifax and XXXX immediately! I would also like a letter and updated copy of my credit report once this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: United PanAm Financial Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28
Company: Reliant Capital Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
All of my Student loans were discharged, not in bankruptcy, but because I had been in and out of XXXX and was completely unable to pay. I am still unable to pay the 1983 debt they are attempting to collect now. It was not a Federal student loan as depicted, but a collection of fees from university of XXXX for things like parking tickets. The debt is decades past statute of limitations. This company keeps trying this with me under different names such as XXXX, trying to get me to make a payment thus obligating myself legally to whatever inflated amount they choose, because it worked once and I 'm still paying them. They are likely doing this to multiple people and need to be investigated. They have changed the name of their business again. I 'm sure if this amount was paid, they would come after me again with yet another moniker to collect under. This debt is both misrepresented as Federal and well beyond statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief