BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I went to a fraudulent school and was lied to about job placement, entry level salaries, and loan information. I was told I would receive career assistance and never got any and was told about jobs that were on XXXX. My school closed and was renamed and nothing was said or done. There are several articles that revealed my school 's fraudulent tactics and the problems with the accrediting agency. I was sold a faulty product and was deliberately lied to in order to enroll. I have never found a job in my field of study and struggled to pay my loans for over 11 years. My life was ruined because I was fooled and chose to go to this school.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX {$570.00} back in 2008 which is now off my credit report. This company that calls itself JEFFCAPSYS is trying to get me to pay them for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Convergent XXXX Started receiving calls from them end of a XX/XX/2021. They call approximately 2-4 times day. No voicemail is ever left. Some calls show as missed others show as incoming 4-6 seconds.. odd. I have no business with Convergent nor any credit report items found. Unknown contact

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 Bank of America acquired the servicing rights to my mortgage. I did not have an escrow requirement with the previous servicing company and have always paid all property taxes and insurance, both hazard and flood directly. Bank of America has informed me that their policy requires that flood insurance be handled through an escrow account and have sent me a notice requiring additional monthly payments to satisfy this escrow requirement. I do not wish to make payments into escrow and when I originated the loan I indicated as such and the previous lender/mortgage servicer was agreeable to that. I do not see why I should be bound by the policies of a new mortgage servicer when I had no choice in the transfer from the previous servicer.

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 2016-12-26
Company: Paypal Holdings, Inc
State: FL
Product: Other financial service
Sub-product: Money order
Issue: Unexpected/Other fees

Complaint:
I recently used the Paypal service to make a payment to XXXX the online XXXX service. XXXX is a free service, but offered an upgraded membership with different pricing options. I chose '1 Month ' for {$19.00}. Instead of 1 month, I was signed up for monthly auto-billing against my will. I looked this up online and found this complaint is VERY common. I contacted paypal, told them I did not sign up for auto-billing, and requested a refund for the entire thing : XXXX and XXXX. I requested both months because I did not sign up for auto-billing, thus, never got what I paid for at all. I now have to spend hours filing complaints and talking to customer service just to get money back I never agreed to spend. Paypal must know this kind of thing happens all the time with XXXX, and is clearly ignoring it for the processing fees. When I contacted Paypal, they said they refunded it as a courtesy. They actually were referring to an earlier and separate issue, and never issued the refund requested. I do n't see how tricking someone into trying a service so you can access their bank account to take more money then you are owed on a mass scale is not Grand Theft/Fraud, please someone explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hello I have been contacting this company XXXX XXXX AND TransUnion for the past 7 months about this account on my credit report. 7 months and NOONE has gotten back to me. The reporting of those accounts violates USC 15 1681 b ( g ) 3. Medical information being released is violating my consumer rights. Please investigate this and remove it from my credit report asap im tired of waiting on responses in the mail that NEVER COME. The accounts are as follows below. They violated MULTIPLE laws thats I can sue for and I have the proof. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
On one night of my stay at the XXXX this XXXX ( Friday, XXXX XXXX ) I took my friends to XXXX. The bill of {$3300.00} I put on my Visa, which I handed to the staff, along with my license, to take and charge. I signed for the {$3300.00} and went on my way. However, I noticed after I got home the following week that there was a separate charge for {$630.00} on my visa, a charge that I did n't authorize. Visa sent me copies of both receipts, which to my surprise were both signed. The signature on the {$630.00} is not my signature. Visa is refusing to credit me because XXXX had a copy of my license, which I readily admit I handed over to pay the {$3300.00}. I want the {$630.00} refunded to my Visa. Visa says there is nothing they can do because its a " he said, she said '' situation. I contacted the merchant and they also refuse to refund the fraudulent charge. Visa is supposed to protect its customers from fraud.

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 2021-04-28
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Other financial service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Hello, I had processed a moneygram for a person named XXXX XXXX based off in North Carolina. The transaction was a total for {$240.00}. The agreement was that I will be required to pay half and once I receive shipment, the rest. After paying the half, XXXX seems to have gone underground with it. I can not reach him on either of his numbers. The reference number for the moneygram is XXXX. I am not expecting to recover from this sort of fraud but atleast that he gets caught and does not repeat the same thing again with someone else. 

XXXX XXXX is based off in North Carolina and his cellphone numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got your response from previous complaint # XXXX, but you still can't hold my rewards cash balance, it has ~ {$50.00}. GIVE MY MONEY BACK!!! 

I know you have the rights to close my account, but you can't just take away my cash rewards. It's unreasonable at all. All the other banks like XXXX, XXXX, XXXX all give at least 30 days to redeem the remaining balance. How could you take away my cash reward without noticing me in advance? Don't you think it is unfair to me, do you?

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 2021-04-28
Company: AFNI 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 XX/XX/2021 the debt collection company AFNI appeared on my credit report trying to collect on a debt originating from ATT that I have no knowledge of. I have signed no contact with AFNI nor do I owe any debt to AFNI. Therefore, I would like this misinformation removed from my credit report immediately as it is defamation of character and being reported illegally in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I made arrangements to have any debts paid with Money Recovery Nationwide. They are continuing to put collections on my credit report without verifying my debt. Or sending a letter that my debt will be sent to collections. 
They will not do a pay to delete They will not notify that your debt is up for collections until it is posted on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Ocwen Financial Corporation
State: AE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after five years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over five years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for five years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CITIBANK, N.A.
State: KY
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:
XXXX has posted several credit inquiries under my credit report that I do not recognize. 
- XXXX/XXXX -XXXX XXXX XXXX - XXXX - XXXX/XXXX - CitiBank I am filing this complaint because all of these have negatively impacted my score.

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 2021-04-28
Company: ProCollect, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... PRO COLLECT ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2015-05-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
The creditor, Midland Credit Management XXXX Inc., formerly Asset Acceptance , LLC, garnished my bank account on XX/XX/XXXX and took {$700.00}. I filed a claim for an exemption in the case under Florida law. The money that was garnished was being held by Midland Credit Management XXXX Inc. while the claim for exemption was pending. On XX/XX/XXXX at the hearing for the claim for exemption, we reached a settlement agreement that I would pay {$100.00} per month. The money that was garnished was to be returned to me. The money that was garnished was never returned to me, and I was never given credit towards my outstanding balance for the {$700.00}.. I have been calling the company for two months now and no one at the company can tell me why my money has not been returned or credited. I have met my monthly payment obligations of {$100.00} per month pursuant to the settlement agreement. I want the {$700.00} returned to me. I am aware that Asset Acceptance , LLC was sued by the FTC in XX/XX/XXXX. Meanwhile, they have opened a new company called Midland Credit Management , LLC at the same address in XXXX, MI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: PA
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A year ago I filed a complaint on OCWEN Mortgage company because they were denying my HAMP modification from IndyMac Mortgage. This was resolved I just finished a chapter XXXX on XXXX XXXX, 2015. I was setting up my mortgage payment to come directly out of my account for XXXX XXXX, 2015. My XXXX pension payment was not cleared from the retirement payroll so I went on OCWEN website to change my payment options at that time I saw they had changed my payment from XXXX to XXXX. My payments was approved in the Home Affordable Modification Agreement. The change of my mortgage took place within XXXX days of me setting up my account. I never received anything in writing about them changing my payments. When I called OCWEN I was told it for my escrow the reason why my payments went up XXXX dollars. If I had never went back on the website this amount would have been taking out of my account and my account would have been overdrawn.

Company response to consumer: Closed
Consumer complaint received 2021-04-28
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Huntington Bank insists that my loan is several payments behind. It is not. I have submitted copies of payment receipts. They do not respond to correspondence from me or my attorney. Their personnel at the local office claim they can not access the loan information. Huntington keeps adding unjustified " late fees '' and " property inspection fees '' each month to the loan. Now they are refusing my monthly payments, saying that the payment is insufficient to bring the loan current. That is false. Please see attached correspondence. Note that we have not received ANY reply to these.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Mortgage agreed to a repayment plan since I had fallen behind because my husband had XXXX and we had gotten behind. Down payment of {$3000.00} on XXXX XXXX, 2016, and equal payments of {$1100.00} for 5 months. I paid XXXX and XXXX payments early, but I had to be late on XXXX and called them and they said that was fine. I made that payment XXXX XXXX, 2016. Then I stared receiving calls and ugly letters telling me first that I had not paid XXXX payment, then the next person said XXXX payment. I have been on the phone all day speaking with different people. They revoked the repayment agreement because I was late and have my money sitting there. Finally I spoke with a really nice guy who got them to reinstate the loan with my regular payment, but I have n't made the XXXX payment yet because they have taken part of what I sent and made it the XXXX regular payment, even though I sent them {$1100.00} for the XXXX payment and they will apply {$480.00} as soon as I send them {$170.00} to complete the XXXX payment, even though I sent the XXXX payment of {$1100.00}. The guy I spoke with today said it was noted I called, but they have the right to revoke if your even XXXX day late on a repayment option. I also received a notice this week that they are taking out insurance on my house. I have told them repeatedly that the escrow is to cover the taxes and insurance. Our loan was originally with Homeward Residential and it was in the paperwork. I have since lost my paperwork and Ocwen claims there is nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I was recently turned down for a loan to pay for my son 's college indicating a past foreclosure. In viewing my credit report, I saw that GMAC Mortgage incorrectly reported the home as a foreclosure in XXXX. Our home was a short sale that closed on XXXX/XXXX/2011. XXXX months prior to their reporting. GMAC no longer services their home mortgages and I am unable to find the right avenue to have this information changed. I have my HUD XXXX settlement statement to prove my statement. I have disputed with the credit bureaus but I 've been told, this is somehow a " coding '' issue where a short sale vs. foreclosure is reported. Do I have any recourse to have the information reported correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has been falsely reporting on my credit report for years. They say I am delinquent. One month it showed I was current and the very next month they reported I was FOUR MONTHS BEHIND! How would that even be possible. They have held strong with reporting I am two months behind ever month. I have made extra payments and it goes to some mysterious escrow cushion. If I call to complain all the customer service people say is, " How would you like to pay to get your account current '', WHAT?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: NATIONS DIRECT MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made payment to Nations Direct Mortgage on Monday XX/XX/XXXX electronically by my bank XXXX thru electronic payment. I received confirmation for chase that Nations Direct Mortgage was paid on the XXXX, Till today this payment has not been credited to my account. I have called repeatedly on XXXX, XXXX and XXXX and Nations Direct Mortgage can not confirm payment even thou I emailed the confirmation to Nations Direct Mortgage

Company response to consumer: Closed with explanation