BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: NETWORK CAPITAL FUNDING CORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am in the process of refinancing the mortgage & HELOC with XXXX XXXX. 
Network Capitol is the new lender. The locked in rate is 3.75 % 30 year fixed. We were supposed to close yesterday. Today XXXX XXXX of that company called & increased the rate to 4.125 % with additional closing costs of around {$700.00}. If I am willing to stop the refinancing he promised to pay back the appraisal fee of {$640.00}. 
First he increased the points & now he has increased the interest rates & costs. 
Please investigate this matter & order them to close or compensate me for financial losses.

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 2017-09-22
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The account XXXX XXXX has been calling me everyday, along with others. During work at XXXX pm at night and I have told them I was willing to pay and send a money order in. She is not excepting that since she stated that it is policy that they have 15 pre-stated payments set up from a bank account. I told her that I do not have money to keep one open and that I would send a money order from a bank and email a copy of it before I send it. I also asked her about the person who called me at XXXX pm and she stated that there was no record of that at all. I told her that it happened 4 times and that I have the number that called me in my phone. I picked up her call on Friday XXXX and she did nothing but harass me talking over me to listen to her after I asked her about what she was going to do after I send a payment of about {$34.00} and she stated that she needs a bank account or I need to buy a prepaid card and load my paycheck on it and call back to set up the 15 payments to come off every month after my paycheck was added to it. I told her that I can pay about {$110.00} a month and that I would send it at the end of every month. She stated that I needed to pay over {$200.00} nothing else is acceptable. I also told her that I received a letter stating that if I do not arrange something I can not use payment program which they wo n't let me use, my balance will be due in full immediately, they are taking legal action, and they may report the default. I did look on my credit and they reported it months ago which they say in the letter that they may due but in fact, they have already done. I am tired of getting calls all hours of the day and it seems if they do something wrong calling they delete the history. 
If any documents are needed I will send them upon request since there is information that is confidential.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a purchase on XX/XX/XXXX for {$45.00} for a bathroom cabinet. I used Paypal to make this purchase. The seller uploaded tracking information a day later showing that the item had shipped out. I never received this item and the seller does not respond to any emails. The seller uploaded tracking information for XXXX XXXX. This tracking number indeed shows delivered. However, after speaking with XXXX this tracking number IS NOT for an item sent from this seller, nor was it shipped to me, or my address. I have opened up a dispute with paypal as well as having the dispute reopened and as long as the seller provides the same tracking number that XXXX  says is not valid they continue to close the case in the seller 's favor. I provided the documentation from XXXX showing that tracking number is for an item not delivered to me they still close the case and no refund provided. attached is the document from ups THIS IS NOT THE PACKAGE that I paid for. paypal dispute id : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
show tooltip button XXXX XXXXDispute  XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX  XXXXDispute XXXX XXXXDispute ftc violations

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 2022-10-06
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC system is reporting a debt on my credit report after I explained to them its not my debt. They told me if I paid it they would delete it. I paid them and it is still reporting on my credit report after paying it after they agreed to delete it after paying.

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 2020-04-10
Company: STERLING BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called my mortgage company both last month and this month to discuss the fact that due to the Coronavirus, my wife lost her job and as such we've had to pay for continuing medical insurance out of pocket. When I called in XXXX on approximately XX/XX/2020 I asked what the procedure would be under the circumstances in the event I was unable to pay our mortgage. At that time the mortgage company informed me that the procedure is no different than if we weren't in the middle of a crisis and therefore they would send me a loss mitigation package and I would be able to complete to see if I qualify for a loan modification. Just the other day on XX/XX/2020, the mortgage company called me to discuss getting the loan paid up to date. I explained our financial situation once again to the representative over the phone and again asked about a 90 day forbearance as our state Governor has mandated this relief for homeowners without penalty. Our mortgage company is not following this mandate and instead is penalizing us by causing us to either enter into a strenuous time-consuming process of loss mitigation in order to " see if we qualify '', or, skip the payments and risk foreclosure action by them. By default, any homeowner in New Jersey that has a mortgage qualifies for this program. Why is my mortgage company taking a hard line with this with no repercussions to them? Very unfair and unjust in light of the current disaster situation we're in. We, as homeowners should not be placed in a precarious position for something we did not cause to occur. By the mortgage company sending me the loss mitigation package and having to complete it, it would create a hardship on us to get all of this paperwork completed and at the end of all that, we still may not qualify and next we'll find ourselves in foreclosure and possibly risk losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: MD
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 XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 : It 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 2022-05-06
Company: EQUIFAX, INC.
State: NC
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 report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/XXXX I received an overdraft fee of XXXX , from Sun Trust despite denying overdraft coverage on XX/XX/2016. By denying overdraft coverage I wanted my card to stop processing transactions and be denied at the retail institution. This did not happen. I went into the Sun Trust bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX around XXXX and the Branch manager XXXX XXXX refused to reimburse me the overdraft fee.

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 2016-03-17
Company: Revenue Recovery Corporation
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX and I received attention in the XXXX. On XXXX XXXX, XXXX I received a hospital bill stating that I had to pay {$450.00}, which I paid in time. On XXXX XXXX, XXXX over a year later, I received a notice from a company called XXXX XXXX XXXX and they informed me that they are a collection agency that took over the account of the company XXXX XXXX XXXX XXXX XXXX XXXX which was a company charging me {$1500.00} for the doctor 's bills. They were charging me because I did not pay. I called XXXX XXXX XXXX XXXX XXXX XXXX and asked them why they sent me to collections if I did not receive a notice from them for over a year. They told me that they did try to communicate, but they never received a response and I asked them why is it that they say that they tried to reach me when I never received any notification but received a letter from XXXX and they did have my correct address and means to reach me. They advised me that they could not do anything because the account was in collection. I called XXXX XXXX XXXX and made payments arrangement. So far I paid XXXX a total of {$500.00}, with my last payment being made on XXXX XXXX, XXXX. On the first week of XXXX XXXX, I received an online notification from XXXX stating that I had an open account place in collection from another company named Revenue Recovery Corporation from the amount of {$1200.00}, which is a surprised since I paid to XXXX {$500.00}, so the amount should be {$1000.00}. Where the extra {$200.00} came from? I called XXXX to asked them why they sold my account to another collection agency. They answered me that the account was closed by the original creditor and I should call the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX and they told me they do n't know why XXXX closed my account when I was making payments. I called the other collection agency Revenue Recovery Corporation and ask them when are they planning to inform me about this account on my credit report. To this day XXXX XXXX, XXXX I did not receive any kind of communication from them. Is this tactics legal? Is this the right way to conduct business? I want to complain because the company XXXX XXXX XXXX XXXX XXXX XXXX sent me to collections without notice after a year. I also want to complaint about this new collection agency Revenue Recovery Corporation as they say I owned {$1200.00} which in reality it should be {$1000.00}. Why are they charging me {$200.00} extra? Why did they report me on my credit report when I was paying to the other collection agency?

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 2019-10-23
Company: Experian Information Solutions Inc.
State: MA
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 AM INQUIRING IN REGARDS TO THE XXXX XXXX   ACCOUNT WHICH WAS OPENED ON XX/XX/2012, DISPLAYS A BALANCE OF XXXX DOLLARS AND WITH LATE PAYMENTS OF 30 DAYS. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT, I MANAGED TO BE ABLE TO GET IT REMOVED FROM EXPERIAN AND XXXX   WENT AHEAD AND REPAIRED IT ON THEIR SIDE. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND IT IS REALLY AFFECTING THE OVER-ALL PROGRESS IN WHICH I AM TRYING TO ACHIEVE MY GOALS. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND I REALLY NEED TO KNOW WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY? IT SHOULD'VE BEEN REMOVED A LONG TIME AGO BY THE AGENCY AND I HAVE YET TO RECEIVE A RESPONSE. PLEASE REMOVE THIS ACCOUNT IT IS REALLY HURTING MY CREDIT 'S HEALTH.

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 2017-11-02
Company: EQUIFAX, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I called XXXX and Equifax to dispute fraudulent inquiries on my credit file made by a car dealership running my credit multiple times! They told me the company had 30 days to respond and they would be back with me. Its been longer than 30 days and I would like to get to the bottom of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2021, I went into XXXX XXXX to open a monthly membership of {$10.00} a month and they ended up creating a renewal contract for {$200.00} biweekly payments for a total of {$2400.00} that I did not sign or commit to. It wasn't until the first payment of {$200.00} hit my bank account that I realized there was something different submitted as a contract. I went into the facility to have them fix it but they said the person I needed to talk to was not in. It wasn't until the third attempt that they said she is no longer with the company. Because I was unable to resolve it with XXXX I turned to my bank ( Chase ) to dispute the charges. They did reverse the charges. However, now the " debt '' is being reported on my credit reports by collection agency Aldous and Associates. I will also enter a dispute with them, however I want to ensure this gets removed, as it dropped my XXXX XXXX by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
There is a current motion @ XXXX XXXX courthouse Florida by plaintiff to reset a sale date on this 100 % illegal foreclosure attempt. XXXX is a brief detail of this abuse. 
A. After sitting unprosecuted for over 5 years on XXXX XXXX, XXXX I had Non-Jury ( XXXX ) trial versus Countrywide XXXX XXXX XXXX XXXXXXXX/Bank of America at XXXX County Courthouse in XXXX XXXX , XXXX. Case # XXXX. 
B. Florida 5 year Statute of Limitations ( SOL ) expired XXXX XXXX. 
C. Among the serious deficiencies are:1. Plaintiff lacks legal standing to foreclose. 
2. Robo-signing of documents, robo-testifyer for XXXX XXXX at XXXX trial. 
3. LOSS/DESTROYED ORIGINAL PROMISSORY NOTE upon filing Lis Pendens in XXXX ( only copy endorsed in blank provided ). As of XXXX XXXX, XXXX per robo testifyer personal notes with him at trial, original promissory note still lost/destroyed. 
4. Lender force placed homeowners insurance charged at gouging XXXX, XXXX times normal rate and purchased from plaintiff controlled or owned insurance company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-05-06
Company: Experian Information Solutions 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:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX and was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have only been at this address XXXX XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.

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 2016-01-15
Company: WELLS FARGO & COMPANY
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
wells fargo dillards never provided any proof of validity of debt with my signed signatures on any transactions or application or that any items were received by XXXX and signed for at my home all they provide is copies of a statement but no signed items and the account as a result of fraud issued by dillards without my Consent and this has causes me emotional distress that dillards wrongfully refuses to remove this fraud account from my credit reports and has not honored there XXXX fraud liability policy and have gotten nothing but rude customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
After months of trying to determine why my escrow went up after my property value declined. I discovered that I was erroneously charged ~ {$1100.00} for liability insurance when I already have liability insurance through my XXXX XXXX. I faxed copies of the master policy months ago and never heard back. I did call to check but no XXXX in their customer service department speaks XXXX as a first language. Therefore no one understood my complex questions and I got frustrated and moved on. Then months later, after finally emailing the Ombudsman, I am sent all the documentation regarding my account and see this insurance premium that I did not authorize. I called the next day I was told by a XXXX speaker on the phone that a copy of the policy must come from the Insurance Company which is totally untrue. A valid copy of the policy is a valid copy of the policy. I did not have these issues when XXXX XXXX XXXX was my lien holder. They accepted all the documentation I submitted. 

I again faxed copies of all the insurance policies for the past three years, uploaded them to the website ( I was told to do this on the phone from a manager but honestly there was nowhere to do this except for the section marked for refinance applications ) and sent copies to the Ombudsman via email. On the phone, I dealt with a rep and a manager, XXXX of whom did not understand my questions and insisted on reading from a script, which meant that none of the responses matched my questions. I repeatedly asked for a timeline for a refund and was finally told that my account would be " credited '' if after XXXX14 business days, they find the policy to be valid. I would then need to contact another office to have the credit processed into a refund. I am extremely concerned that I will never receive my refund despite the fact that it was their clerical error that they lost or did receive but did n't accept ( the story kept changing ) copies of my liability insurance policy. None of these issues were communicated to me after receiving the initial request for a copy of my policy. The fact that I can not intelligently speak to someone on the phone regarding my problem is also a huge issue. 

I can not wait for the day until my mortgage is sold again away from this terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: MI
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 and XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It 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