BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have been with Carrington Mortgage for quite some time and I always paid online via XXXX XXXX ( that is the only way to pay ). In XXXX of 2015 I made the payment and it did not go through and I found out via USPS which took about 5 days. I attempted to call and I held for over 50 minutes, and tried again on XXXX separate occasions to no avail. They do not have e-mail so I immediately got a check out in the mail for this was the only way I could make a payment and in it I wrote a letter to let them know that they were having difficulties with XXXX XXXX and this was an honest mistake. In XXXX of 2015, I again attempted to make a payment via XXXX XXXX followed with another phone call 2 days later and was told it went across ( never was there an error from XXXX XXXX transaction ). I now have a blemish on my credit score after sending them XXXX letters ( there is no other way to contact them ). I am attempting to get another loan with another company with a lower interest rate that is accessible. With this issue on my report I can not go foreword and am having great difficulty talking to them!!! Please help me with this frustrating situation for I have been dealing with this for months!!! This was not my fault, I am a widower, XXXX that works full time and am diligent on paying my bills. I need to get this off my report to get a lower interest rate so I can start planning on my retirement. 
Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Attached you will find the original complaint against debt collector for violating my HIPPA rights. Company wrote a statement that they would remove accounts off my credit report. Company removed 10 of the accounts and left five more accounts my credit reports that I would like removed immediately based on the word in attached complain of company and for violating my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been a Foreclosure Prevention XXXX with a Nonprofit, HUD XXXX XXXX for over XXXX years. I have been trying to assist my client since XX/XX/2016 who clearly qualifies for XXXX. The servicer, Fay Servicing, has done nothing but put my client in a situation where they will lose their home. Fay Servicing acknowledges the investor on the loan participates in XXXX, but Fay Servicing refuses to communicate how they calculated the client 's income to state the borrower does not qualify for XXXX. XXXX XXXX has verbally communicated with me that the loan was approved for an " In House XXXX XXXX '' which will be almost $ XXXX more than the current payment. Fay Servicing then forwarded a XXXX letter dated XXXX, to the borrower stating the borrower must respond on XXXX, yet the borrower received the letter on the XX/XX/XXXX BUT the letter does not include any information about the Trial Period Plan whatsoever!. Therefore, what is he agreeing to??!!! I just now called Fay Servicing and although I was verified as third party authorized on the account by the woman that answered the phone, I am now being told by the supervisor, XXXX I am not authorized on the account! I have been told that they will not answer my questions yet they will not give the homeowner anything in writing. This is an unbelievable situation that the homeowner has been put in!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: P&L Acquisitions LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My interaction includes multiple violations, but I was only able to choose one. A representative from P & L Acquisitions contacted a relative with whom I have never lived, never used as a contact address, and posed as an employee of the local courthouse. He claimed that he was looking for me, because a summons was going to be delivered to my relative 's address the following day. He stated that she needed to get a message to me informing me of this information and that I needed to contact a toll-free number that he provided to her in order to resolve the matter. My relative was able to reach me. She told me that the caller disclosed details of the alleged debt, as well as harassed her with threatening language, and he told her that he was a courthouse employee and that he was at the courthouse at that time. The number on her caller ID showed the XXXX County Courthouse number, but the number did not originate from the courthouse. I called the toll-free number that was given to her, and a man answered with a greeting of " Corporate office. '' I asked for the name and address of the company, which he provided as P & L Acquisitions. I also contacted the courthouse, as well as the Sheriff 's Department, and they denied that anyone from there contacted or was looking for me. A representative from XXXX XXXX XXXX XXXX fraudulently posed as a courthouse employee in order to threaten me. The next day, I received a letter from the company, signed by XXXX XXXX " Legal Administrator. '' The letter untruthfully stated that I had ignored previous attempts to resolve this matter, which is absolutely not true, because I have never received any communication from them, and there is no information in the letter to identify what this matter is about. The letter is designed to look like an official legal document. It threatens to obtain a judgment against me without even suggesting that I have a right to dispute their claim. There is nothing about an original creditor or other identifying information. There is no disclosure stating that I have the right to dispute. There is no proof that they are licensed to practice in my state. The letter also states that they may file a lawsuit against me which would result in a judgment entered against me. That 's not how it works. This letter is yet another example of illegal collection practices that this company has willfully chosen to take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23
Company: Voss & Klein, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
When I received the invoice from the XXXX I aske for a copy of the contract. They never forwarded it to me. I then started getting calls from a collection agancy calle Voss & Klein. The calls were relentless. I asked The collection agency XXXX to provide a copy of a signed contract and signature of with dates of approval of service by myself. The lady said if I don't pay she will continue to call me until I pay or wreck my credit. They have filed a collection on my credit report. She also state she did not have to provide me anything as I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: RI
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:
My loan just migrated to Navient in XXXX. I called at the end of XXXX and they could not give me payment information, they told me to call back in a couple of weeks. I forgot ( completely my fault ). On XX/XX/XXXX, I was prompted to log-in to Navient due to a concern about my loan. I logged in. My total due was {$10.00}. {$5.00} was due and {$5.00} was past due. I paid {$10.00} and received confirmation of the payment and that I was all set. A few days later, I get a text message stating that my loan needed attention. I logged in and the account status was past due in an amount over {$100.00}. I was confused and livid. I called Navient. I explained what had happened. The rep would not validate my story ( i.e. " Oh, I do see that it was {$5.00} per month '' ). He acknowledged that I paid {$10.00}. He said that I owed {$90.00} + per month. This did not make sense because I was past due for two payments totaling just over {$100.00}. When I explained that I could not afford this new amount due, he took my income and family size only, did not ask about any other expenses and offered a payment plan for a bit over {$40.00}, deferred until XXXX. When he finalized that plan, he said, as if a script " Your payment has been deferred, you owe nothing until XXXX ... at that time your payment will be {$5.00} ''. Then he said that the payment plan that I had been on with the prior servicer would drop off " at some point '' that he did not know. He said that the {$5.00} might change in XXXX. I have worked in consumer finance and I have never heard of giving a debtor a range of anywhere between {$5.00} and {$50.00} for a payment. I really feel uneasy dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I refinanced my mortgage with XXXX XXXX XXXX XXXX ( now XXXX XXXX ). They sold my mortgage to Dovenmuehle Mortgage Inc. in XX/XX/XXXX. My first payment to the new mortgage company was made in XX/XX/XXXX, and that payment, as well as all subsequent payments, included {$370.00} for an escrow account to pay property taxes and hazard insurance. My most recent escrow analysis, dated XX/XX/XXXX, includes a line item for property taxes in the amount of {$1600.00} to have been paid in XX/XX/XXXX. That never happened, and I was not aware until I had my income taxes prepared in XX/XX/XXXX. Upon learning of Dovenmuehle 's negligence, I began contacting the company 's customer service department. As a customer service rep could not assist me, I was transferred to a supervisor who stated that the company initiated a work order in XX/XX/XXXX to investigate why my taxes were not paid. The work order expired without any action being taken. It was not until I began contacting the company in XX/XX/XXXX that a new work order was requested. Again that work order expired. We are now on the third work order, and still there is no resolution. In the interim, the treasurer for my county has threatened to sale my home on XX/XX/XXXX if the taxes and penalty and are not paid in full. I have requested that Dovenmuehle cancel my escrow account and refund me all of the money in the account so that I can take responsibility for paying my taxes and insurance. Time is ticking, and I still can not get a straight answer from the company. The mortgage company has assigned a specialist to assist me in this matter, but I can not establish contact with the individual. The specialist sent me an email from a generic account, and when I call the phone number provided, it goes to voicemail. Now the voicemail box is full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance Owed : {$68000.00} XXXX XXXX XXXX Balance Owed : {$690.00}

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 2023-01-31
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is the second time with the last 12 months that Nelnet has lost my payments. I reported them back in XXXX and they finally credit the 5 months worth of payments. I made payments in XXXX, XXXX and XX/XX/XXXX and those payments seem to be lost. They have been contacted and proof of payments but as of date, I heard no further status from them nor are my payments showing on my account. The following payments have been made : On XX/XX/XXXX - {$45.00}, {$49.00}, XX/XX/XXXX - {$45.00}, {$49.00}, XX/XX/XXXX - {$92.00}. The XXXX payments XXXX - {$45.00}, XX/XX/XXXX - {$49.00}, XX/XX/XXXX - {$45.00}, XX/XX/XXXX - {$49.00}, {$92.00}. 

I shouldn't have to provide them with my checking account statements each month. XXXX XXXX XXXX XXXX claims the payments are being deposit to their account and they received the handshake back that there were not any issues. I have been making payments this way for several years but something Nelnet started doing or not doing in XXXX, XXXX which is when this problem started.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to this company through certified mail requesting validation of the 2 accounts they have placed on my credit report and have gotten no response. It has been more than 30 days since said requests have been sent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I am in the process of refinancing my mortgage and when the newcompany pulled my credit report they found that my currentmortgage company listed me as being in forbearance. That isnot true, I am current and have never been late or missed a payment. 
I contacted the my mortgage company and explained what wasgoing on and asked for a letter to show the error. They told me thatall of their customers were incorrectly listed that way and that I hadto wait XXXX weeks to get some kind of letter. I was directed to writeto their research department and they have not even acknowledgedmy letter. I need to have the refinance done by the end XX/XX/XXXXdue to a court order and I can not move forward without the letterfrom the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a retired veteran. 
When my loan originated my wife, who is now deceased had XXXX. 
The loan should not be legal at all with this XXXX. 
XXXX will not help me save my home. 
I am XXXX and could be homeless. 
My home is upside down by {$80000.00}

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 2016-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I made a purchase online using my debit card which was linked to my XXXX account. When I received the item it was not an authentic item. I tried reaching the seller and got no response. I called XXXX and they informed me to call the bank as they were not the funding source. I called the bank and disputed charge and was informed via phone and mail that I can not be helped and they were sorry I have to get a hold of the seller.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I lost my job XXXX XXXX. I called today XXXX XXXX to seek options. I was told I exhausted all options and had no choice but to pay. I can not. I collect unemployment. 

I would like to pay my loans and will as soon as I am employed again. Please help me negotiate with Navient as they do not with consumers directly. I was made to feel as though I were a " Low-life '' for asking for help. The representative was argumentative and completely unhelpful. Please help me. My next payment is due XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XX/XX/2011 I paticipated in the " XXXX XXXX '' program with the XXXX located in Illinois. In this program, the dealership takes possession of your current XXXX vehicle and puts you into a new XXXX vehicle. This was not a repossession - this was a dealer incentive program. 
Bank of America has reported a late payment XX/XX/2011. In fact Bank of America is reporting paid as agreed payment history from XX/XX/2011 through XX/XX/XXXX. 
I disputed the incorrect late payment with XXXX 12 months ago. Bank of America refused to correct the history. 
I am disputing the late payment again with XXXX. I am filing a complaint with your agency in hopes the incorrect payment history will finally be removed. I am also reviewing my payment history with XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I do n't understand why I have XXXX XXXX XXXX XXXX XXXX. All of these charges were negotiated with insurance and we agreed that these charges were incorrect.

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 2016-04-18
Company: Navient Solutions, LLC.
State: MS
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 'm contacting you all again because I get the best and quick responses after doing so but here 's the conclusion to my last complaint. 
You are eligible for a reduced payment with Navient Recovery of {$50.00} a month. After the third qualifying payment, your interest rate would be reduced to 0.001 percent for the remainder of the repayment of your loan, as long as your payments are made in a timely matter each month. You are welcome to call Navient Recovery directly at XXXX to enroll in this program. 

Now during the confusion of the last situation I was told I could be re-entered back into the repayment program under the same interest rates. Now I 've been sent to a debt collection agency ( XXXX ), who contacted me today. It was told to me that my loan had n't been overdue long enough to be sent to collections and I began to make payments through Navient once again. Since the last case I 've made successful payments on time in which they are automatically debted from my account. Now I 'm being told that I have to deal with this collection agency and I 've made successful payments with no mention of this. I talked to the collection agency ( XXXX ) and they too were confused because I 've been making payments. Once again I feel like something is fishy again and I 'm going to be ignored or transferred several times. I contact you all for your help and if there 's nothing to be worried about then I will like to hear it from you all. 

Thanks, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please refer to the email I sent to XXXX XXXX at the media department of Chase. 
" I currently have a loan application in progress for the purchase of a home of my elderly mother. At the beginning of this process i was given specific information for debt that needed to be paid down to less than 10 payments in order to be excluded from the debt to income ratio. I made such payment XX/XX/XXXX following the loan officer 's requirement. 
Unfortunately, after three weeks of lack of communication, loan officer not following up with me, I find out today, 8 days before closing, that this XXXX dollar debt has to be paid in full in order to qualify ( not paid down ). 
The underwriter also requested a lot of information that was already documented in the provided bank statements. She asked for evidence of funds for a direct deposit which is from my husband 's job as seen on the direct deposit transaction in the bank statement itself. 
Essentially, there are documents provided which sat there and either the underwriter reviewed and forgot to ask for explanations, or they were not looked at at all. I have supplied everything requested literally within hours of the tasks appearing online. I checked my portal twice a day since my experience was that the processor also would not check except every 3 days. On a 30 day contract and rate lock time is of the essence. 
Needless to say now I am at risk of losing my deposit and worst of all my mother has to start over to find another home and financing somewhere else. 
My very first home mortgage was with Chase 12 years ago and the experience was quite different. 
I also filed an escalation case XX/XX/XXXX XXXX. never heard from them either. I just called them again and was told they would have the " case resolver '' call me back within 3 days. Needless to say the actions show how little we matter as clients. 
Chase is also refusing to give me back the XXXX " good faith '' deposit they asked from me when application was taken.

Company response to consumer: Closed with explanation