BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: TX
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 requested the documents used determine that an account XXXX XXXX XXXX XXXX XXXX XXXX on my credit report was valid when I challenged this debt and provided documentation to validate my claim. The bureau failed to provide me the documents used as a part of the investigation.

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 2016-02-02
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have been paying on " XXXX '' for several years, since I had the card. Now that I actually need the service I have been paying for for 4 years, XXXX says Synchrony Bank cancelled the product on my account and also charged me the same day. I DID NOT CANCEL THIS. I feel this is fraudulent business practices on XXXX of XXXX of these businesses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11
Company: Stellar Recovery, Inc.
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company placed this collection on my credit report with no contact to me prior. This company has entered into a settlement in XXXX with the XXXX of the Colorado Fair Debt Collection Practices Act for the same type of behavior. The creditor listed is XXXX which I had in XXXX and who erroneously put me in collections. I completed a dispute with XXXX and they cleared my account when they found their error upon investigation. This never was and is not a valid debt. I am in the process of buying a house and it has caused my mortgage interest rate offer to go up by 1 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient Department of Education is denying me a student loan deferment and consolidation despite my application being approved. In fact, my loans should be deferred until XXXX/XXXX/XXXX. In addition, because Navient Department of Education is not honoring the terms of my consolidation loan I ca n't reapply for another loan and reenter a institution of higher education for XX/XX/XXXX to complete my degree. Also, my approved consolidation loan and loan deferment is not taking my loans out of default status. review the following conversation between myself and University XXXX at XXXX : XXXX Registrars Office XXXX XXXXXXXXXXXX XXXX to : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX date : Tue, XXXX XXXX, XXXX at XXXX subject : Re : University XXXX : Transcripts & Records : XXXX ID : XXXX mailed-by : XXXX signed-by : XXXX encryption : Standard ( TLS ) Learn more : Important mainly because it was sent directly to you. 

XXXX XXXX, Thank you for contacting our office. After reviewing your records we did receive your Transcript Request on XXXX XXXX, XXXX via mail. We called you and left a message on the phone number you have provided on the request the same day we recieved the request. Our office is unable to process your request at this time due to a financial obligation. In order to process your request, your financial obligation will need to be cleared. Please contact the following office for more information : XXXX Business Office ( XXXX ) XXXX Once the hold is cleared, please notify our office so we can continue processing your request. If you have any questions, please feel free to contact our office. Have a great day. 

XXXX, XXXX XXXX Registration Assistant Therefore, Navient United States Department of Education is not clearing my default status and honoring the terms of my consolidation loan. I believe their agency is refusing to cooperate with me as a result of retaliation because of audits on XXXX XXXX Loan Servicer and XXXX XXXX XXXX Direct Loan Program. This particular discrimination is ongoing and consistent. I believe the employee 's for the United States Department of Education is denying me the right to finish my degree endeavor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i am just recently seeing new things on my credit history i am unfamiliar with, its is false and harming my credit situations and would like to have them removed do to company which is harrassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
reported complaint XXXX at XXXX XX/XX/2021 after communicating with XXXX XXXX XXXX 4 times today I received another call at XXXX it was a message asking me to call. I called the number back again and I told the gentleman I received a call he said we already talked to you and I replied I know but you called again. The gentleman transferred me to a female she did not provide her name I advised they called again and she said it was their auto dialer to which I replied please remove my number and she said no you will continue to get calls until you resolve the matter. I replied that is illegal I will just file another XXXX  and XXXX complaint and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: GFS II, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I sent Gateway Financial Solutions an affidavit requesting proof under penalty of perjury that they are in fact the true creditor, and not an elaborate scheme. I have reasons to believe that Gateway Financial Solutions obtained payment for my vehicle by way of selling the promissory note I affixed with my signature on XX/XX/XXXX when the transaction was initiated. I requested documents proving the funds that paid the dealership for my vehicle in fact came from their own reserves. Its required under 10 Maxims of Law that a lien or claim can be satisfied only through rebuttal by counter affidavit point by point, that which Gateway financial solutions failed to do. Instead they sent a letter that adressed only 1 of my concerns. They provided the contract in question, which I did not request, and their license to do buisness in Maryland, which I did request. As of tofday XX/XX/XXXX my affidavit remains unrebutted. Some time between the night of Monday XX/XX/XXXX or the morning of Tuesday XX/XX/XXXX gateway financial solutions repossesed my vehicle despite being required to stop all debt collection activities until this matter is resolved, violating 15 U.S Code 1692c. On XX/XX/XXXX I recieved a letter threatning to sale my vehicle if payments to this alleged debt is not made by XX/XX/XXXX which is a violation of 15 U.S Code 1692d ( 4 ). I have provided the pre-notarized version of my affidavit sent, as well as all the correspondances sent to me, the notice to sale, my supporting documents and an invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: PHH Mortgage Services Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Facts : 1 ) In XX/XX/XXXX I received a letter indicating I had an escrow shortage. I was given XXXX options : a ) make 1 payment with total shortage or b ) spread shortage over 12 months. I chose b. 
2 ) I received an email on XXXX/XXXX/16 that my mortgage payment ( including additional escrow ) was applied. 
3 ) Today I received an email that a late fee had been applied because my payment has not been received. 
4 ) The payment was made per my bank statement. 
5 ) The payment was received per email dated XX/XX/2016.. 
Today I called customer service and they indicated that had my payment but it was suspended and not applied because I failed to 'request permission ' to spread the shortage over 12 months even though my payment reflected the increased amount.. The request procedure was n't very clear in the letter I received in XX/XX/XXXX nor have I ever had to " request permission '' before. The letter clearly stated that I have XXXX options and even provided the new payment amount. I feel the mortgage company is trying to take advantage of its customers and force them to make a late payment even though they have received the on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have tried to process my new car loan with Wells Fargo at XXXX, but I had to pay extra interest rates which was 13 % and after one year ( XXXX ) I still can not refinance the car loan. 
I have to pay extra {$10000.00} for a new car.

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 2015-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
these is a follow complain from complain XXXX filed XXXX after XXXX XXXX XXXX transfer the loan to XXXX, I 'm still disputing the amount of the debt and try to get the servicer compliance with california code 2923.5. I hire XXXX XXXX attorney on XX/XX/2014 he file bankruptcy because XXXX, send me to foreclosure without validating the debt, did not consider me for modification I been ask every trustee for full accounting on these debt, but these people its hire just to sale the property they do n't know a true from. a factual matter.another problem its the county records aloud this fraud to continuing to happen they record fraudulent documents its well know the notary and trustees are creating false document. 
the servicer XXXX its been sued for my attorney case # XXXX. the law office of les zevie its the new trustee before was regional trustee then, XXXX XXXX and now these trustees are in federal investigation ( all ) for fraud and they keep filing notice of default without been compliance with California code 2923.5.I went to public records to file a notice of non compliance with ca 29623.5 they did not record my document. 
I m an XXXX I sign a contract for a loan where a lot of people bougth a piece of paper ( bonds ) and treasure department gave them discharge of the note. the Banks and lender are getting rich and they still sending people to foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Colony Brands, Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I GOT BEHIND ON MY PAYMENTS BUT HAVE BEEN MAKING THEM. MY CREDIT REPORT IS STILL SHOWING NO PAYMENTS AND I HAVE MAILED THEM NUMEROUS LETTERS AND CALLED TO HAVE IT CORRECTED. I HAVE BEEN MAKING {$20.00} EVERY PAY PERIOD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Closing was set for XXXX/XXXX/2015. On XXXX/XXXX/2015, BOA 's home loan fulfillment rep unprofessionally and demandingly requested an additional, lengthy and extensive HOA report from the property mgmt co which we, the buyer, unknowingly had to pay {$280.00} for-after the initial HOA deadline had passed and all Colorado required HOA info was already turned in for closing. BOA employee was the one who forgot to request it so it was suddenly an emergency on the property mgmt 's part. On XXXX, BOA asked for more info from the HOA, which was provided. On XX/XX/XXXX, they asked for more info from the HOA, which was provided. On XX/XX/XXXX, they again asked for MORE info, which was provided on XX/XX/XXXX. ( I was told by the VP of the dept that handles HOA condo/co-op docs that they ca n't just review them on the drop of a dime when they are the same ones that requested them the same week of closing. ) Closing date came and went with NO ATTEMPT FROM BOA TO CONTACT THE SELLER TO TELL HIM HE COULD NOT CLOSE BECAUSE BOA DID N'T REQUEST THEIR OWN INFO ON TIME. I am now outside of the Amend to Extend deadline bc the BOA employees who request this info do n't look at it, return calls, etc. I am at risk of losing this deal BOA did n't DO THEIR JOBS. In fact, just today, I was asked for a HVAC repair receipt when that was completed and documented weeks ago. ( Why am I being asked for repair bills anyway when inspections are voluntary? And why am I being asked AFTER I should be closed??? ) EVERYTHING has been done from the HOA, buyer and seller 's perspectives to meet deadline, including the closing dates, and no one at BOA is doing their part. NO ONE returns calls, NO ONE tells us the status, we ca n't even sign an Amend to Extend because we do n't even have a date to offer bc no one seems to care if/when we get final settlement # s ... including up to and past the day of closing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In 2007 I XXXX with an XXXX degree. Since then XXXX was purchased by XXXX XXXX and now they too, out of business.. The XXXX location that I went to was sued and found to have given fraudulent placement rates and graduation rates. 
My private loan listed on Navient is at {$49000.00} and not only can I no longer afford this, I do n't feel like I should be paying for a worthless degree and education that I chose based on their lies. 
The other issue is they have the completely wrong school listed on my loan. They have the XXXX XXXX XXXX XXXX, which I have NEVER attended. 
A lawyer suggested I reach out to this agency for info and assistance. Thank you for your time and any help or advice you may be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I cancelled a phone line which was ported to a new provider. Former telephone company refused to close account for months. I receive 1st collection letter which I timely disputed. Collection continues to contact me with following written communication which states : " All I can do is explain the alternative to you. From there, you have to determine whether the potential cost in time or otherwise, is worhwhile. Let me reiterate-the choice is yours ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2015 I called into Bank of America to see why a credit had not been dropped due to processing error by the merchant. I contacted the merchant XXXX XXXX on XXXX XXXX, 2015 to make sure the payment was not processed. I spoke with the resoulitions mananger at XXXX XXXX named XXXX and she made sure the payment was not processed and was immediately refunded to my account. While speaking with Bank of America on XXXX XXXX, 2015 they told me that the payment would drop off in their overnight processing system and any fees associated with the account would be immediately refunded. However as of XXXX XXXX they payment of XXXX has not been dropped of my account and I have incurred over 210 dollars worth of fees because the payment as not dropped due to Bank of America not releasing the funds and steadily charging me outrageous fees. Due to Bank of America not processing the refund accordingly my account is now overdrawn XXXX due to not fault of mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: OH
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:
On XX/XX/2017, I submitted a regular monthly payment ( actually it was {$0.00} above the monthly amount ). On XX/XX/2017, I made a secondary payment of {$50.00} and requested this to be allocated to the principal only ( it was written on the check ). I checked on XX/XX/2017 to confirm the allocation to principal. This second payment was not allocated to the principal, it was allocated to interest. I called to have Navient correct the payment. I was told over the phone that any additional payments would go towards interest only. I rebutted the issue. I saved up extra money this month to make this principal payment. I requested the call be escalated. After waiting over 30 minutes, the call was terminated by Navient. I have not been contacted as of yet. The second payment still shows as being allocated to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2008 XXXX XXXX XXXX paid {$350000.00} on my account, XXXX. All that was remaining due on the account was some accrued interest in the sum of {$1700.00}, but it was enough to bring the account current, reinstate the mortgage, and the balance should have been adjusted. Instead, U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX, filed a foreclosure action, case number XXXX. It was dismissed for want of prosecution. XXXX attached. Then, ignoring payment was made AGAIN, U.S. BANK XXXX, AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX MORTGAGE XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX filed suit XXXX. Again, U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX filed suit. After we filed our answer and affirmative defenses, showing it was paid as stated above, they dismissed the case voluntarily. See the attached. If that were not bad enough, then U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX MORTGAGE XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX sued US AGAIN, claiming the amount that was paid as shown above, was STILL DUE, violating the federal and state fair debt collection practices act, malicious prosecution, abuse of process, and fraud, mail fraud, wire fraud, and civil conspiracy. This time, the bank got a foreclosure judgment BECAUSE I COULD NOT AFFORD AN ATTORNEY AND HAD TO REPRESENT MYSELF. I did not know what I was doing. XXXX lied about getting the money and did not tell the court they got paid. XXXX lied about having received the money and filed an affidavit claiming it was still due. The XXXX believed XXXX and granted a judgment. See attached. I requested an affidavit from customer service showing the payment was received, but XXXX is now claiming they do not have any information. They are concealing the receipt of the money. See the attached affidavit from the XXXX employees. I want the bank investigated, and either require them to return the money I paid, or vacate the foreclosure judgment, and give me a release of the mortgage, AS THEY HAVE BEEN PAID AS YOU CAN SEE FROM THE ATTACHED. If I had stolen money from a bank, I would be in JAIL. They stole {$350000.00} AND they are STEALING MY HOME. I was just served with eviction notice after the fraudulent foreclosure judgment. I NEED URGENT HELP. PLEASE HELP ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been having a issue with this credit bureau for the past 2 weeks and not AUTHORIZED someone had fraudulently obtained my credit report and it is some hard inquiries on my account that i was told i can dispute if it is unauthorized. These XXXX refused to dispute these charges and im livid. I don't have this problem with the other credit bureaus Tbesides EQUIFAX AND IM FED UP ABOUT THIS. The other credit bureaus disputed this with no issues. But Equifax is giving me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Credit Corp Solutions Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter on XX/XX/XXXX from Credit Corp Solutions , Inc regarding my request to validate the debt. I then sent a letter on XX/XX/XXXX to Credit Corp Solutions, Inc informing that they failed to validate. I then receive another notice from Credit Corp Solutions today XX/XX/XXXX in my second dispute asking for information. At this time they continue not to validate and I am requesting this debt to be deleted per my consumer rights.

Company response to consumer: Closed with explanation