BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-22
Company: National Recoveries, Inc.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX XXXX closed down for false practices, misleading their students, and making false promises with helping find a job in the industry after you graduate. XXXX XXXX was a for profit college. Six months after graduating, XXXX XXXX began calling me and asking for {$800.00} and to begin repaying my student loans. There was no way I could afford that and make my rent payments. I began to struggle with these payments and began looking for alternative options. I ended up consolidating my student loans, so that I can afford to make my monthly payments. After that, I began to get calls from XXXX XXXX and the agents would refuse to lower my monthly payment and advised me to get a " Better '' job, so that I can meet these payments. I believe this conversation along with all conversations are recorded. XXXX XXXX called my parents, due to them being Co-signers of my student loans and harassed them. They would continuously call my parents at all hours of the day to harass them for payments. One agent even told my parents, if they did n't make a payment, they could take away their house. Obviously, my parents got scared and my mother called me crying that day. 
When it became XXXX, I then setup an auto pay with them. They had agreed to a semi reasonable monthly payment - around $ XXXX ( do n't really recall ). Then one month they took more money from my account ( around {$800.00} ) leaving me to scatter around to make my rent payment. Since then, I could no longer trust them and cancelled my auto-payment. 
My student loans have crippled my credit and I was even denied when applying for an Apartment. I do n't qualify to purchase a house because of my crippled credit, therefore living in an apartment is my only option. However, it makes it difficult to even do that due to my student loans ruining my credit. I have proven documentation of being denied because of my student loans, they show as a " Debt '' not as a student loan. At this time, they are garnishing my wages and I am currently in a rehabilitation program in which consists of giving them an extra {$270.00}. My students loans were with XXXX XXXX, which later became XXXX. I 'm am not sure of the exact details, however XXXX sold my student loans to National Recoveries Inc. 
Overall I am giving them around {$500.00} per month, in which I can not afford, however I am making it work and cutting my budget to make ends meet. With all these late/accrued interests, I will forever be paying these loans. It does n't seem fair at all.

Company response to consumer: Closed
Consumer complaint received 2017-01-31
Company: Partners for Payment Relief
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am hereby requesting your attention and assistance in resolving the conflicting issues on the second mortgage as depicted in the sequence of events listed below. We have been contacted with overlapping claims from several companies on the second mortgage ( HELOC ). 
Chronological sequence of events : 1. Acquired mortgage from XXXX XXXX on XXXX XXXX. 
2. XXXX XXXX XXXX sold the first and second mortgage to XXXX. 
3. XXXX XXXX,, XXXX XXXX sold the first mortgage to XXXX who then transferred loan servicing to XXXX XXXX. The first mortgage was restructured and continues to be serviced by XXXX XXXX. XXXX retained the second mortgage ( HELOC ). 
4. XXXX XXXX, XXXX The HELOC was discharged according to my credit report. 
5. XXXX XXXX, XXXX XXXX sent " offer to satisfy '' letter for the HELOC. 
6. XXXX, XXXX XXXX filed for Chapter XXXX. 
7. XXXX XXXX, XXXX XXXX sold the HELOC to XXXX for servicing as a result of the Chapter XXXX. 
8. XXXX XXXX, XXXX XXXX letter informed me that the HELOC was " charged off '' according to records acquired from XXXX. 
9. XXXX XXXX, XXXX XXXX issues an Assignment of Mortgage to XXXX. 
10. XXXX XXXX, XXXX XXXX assigns Power of Attorney to XXXX. XXXX XXXX, XXXX XXXX transfers servicing to XXXX XXXX XXXX XXXX, XXXX. Shortly after, XXXX XXXX XXXX XXXX, XXXX transfers servicing to XXXX. 
11. XXXX XXXX, XXXX XXXX issues an Assignment of Mortgage to Partners for Payment Relief. 
12. XXXX XXXX Our attorney send a letter to the attorney representing Partners for Payment Relief in an attempt to reach a settlement, although the last payment on the XXXX, XXXX XXXX, is past the 6 years Statutes of Limitations. Our attorney reached again in XXXX XXXX. No formal response has been received from Partners for Payment Relief to this date. 
13. Our attorney is formulating a legal Quit Title in order to clear the clouded title as a result of the second mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
cra hippa violation enclosed all the information inaccurate information being reported

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th Complaint addressed to the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following fraudulent items removed completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2015-05-09
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I purchased a new lawn mower and took our a load with XXXX XXXX XXXX which has is handle by Synchrony Financial. I received a credit card related to this load in XXXX 2015. I attempted on XXXX XXXX 2015 to setup an online account to manage the load and make payments. The account setup did not go well. I called XXXX for assistance with the account. I was told XXXX was having issues with their internet site and to wait a few hours. I did and it still did not work. A few days later I tried to again and was unable to access my account. I called and was told be a supervisor that the E-services team would need to look at it. Since then I have called several times and have been told to wait for a call back. It has been 3 weeks and there is no resolution. I called again today XXXX XXXX 2015 and was told to call back on Monday. This is a loop of lack of service. I 'm am prohibited me from access my account and paying my bill. I have an excellent credit rating and always pay my bills on time and pay my credit cards in full each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over the last several weeks I have received dozens of calls from XXXX, and today the representative from Convergent Outsourcing advised me that they 'd only stop calling if I would provide them the last XXXX digits of my social security number to confirm that I was not their collection target. I ended up providing the information, and they confirmed that I was not the individual they wanted but further told such mistakes " happen. '' I felt as if I were extorted into providing my personal information in order to stop the bothersome calls. It appears as if the business model of Convergent Outsourcing is to call all people with the same, and then by process of elimination hope to eventually find their intended target regardless of how many innocent folks are annoyed with repeated calls in the meantime. This is shameful, and I hope that you can do something about this seemingly abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They did not accurately verify that my XXXX account was in fact closed. I have disputed twice and they still have not updated the information and removed it from my report. They are inaccurately reporting repossession on my XXXX account even with payment history documents attached.

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 2016-04-05
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For months I have written One Advantage collection company, requesting a validation on debts they have issues on my credit report. They have issues a total of XXXX accounts ( # 's XXXX,XXXX, and XXXX.Please have this company validate these account and inform me of their finding.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Debt Recovery Solutions, LLC
State: PA
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 sent them a final payment, a restrictive endorsed check for {$25.00} which is legally binding. The terms were that by cashing my check, they are accepting my agreement to delete the account from all XXXX credit bureaus. If they did not agree, they could have simply sent my check back as stated in the letter that was enclosed. I have attached my cashed check and the letter I sent. This was deleted from all XXXX bureaus and have been re-inserted without notification which violates the FCRA 's Notice to consumer, that, " If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the 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 2015-12-16
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX, and my Spouse is XXXX XXXX, who is not on the Mortgage, but is a contributor to our living expenses. We were both forced into retirement because of XXXX condition, and would have applied for a Reverse Mortgage, however, we are upside down on the Mortgage. 
We applied for a XXXX Modification with our Lender, Ditech and we were told in a letter dated XXXX XXXX, 2015, that we are making too much money and there are no hardship, simply because we have been using our savings to remain current. DITECH use a technique, to 'GROSS UP '' our Social Security Income of {$1600.00} to {$2000.00} making us unqualified. 
We we questioned this technique, they said in another letter, that XXXX XXXX is the owner and because we are in a Loan Modification, XXXX XXXX will not honor another Loan Modification. 
We obtained our Loan from XXXX Bank, a predatory lender in a XXXX package using the Second Mortgage as a down payment and a 5 year Hybrid Adjustable Mortgage, and a search of our records does not show that the Loan was transferred to Ditech according to the Respa Laws of Florida. 
We have requested that Ditech produced records of the Loan Modification that they are saying we have, also produce the Transfer Assignment of the Loan to Ditech. To date we have not received any response. 
We have also contacted XXXX XXXX to produce the record of a Loan Modification, and have not heard anything as of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Upon switching cell carriers from XXXX to XXXX, I received a notice from Convergent Outsourcing, stating my account was in collection and that I needed to pay the balance right away. I received this notice on the exact same day ( XXXX ) that I received a final bill from XXXX. When I called, the Convergent agent stated my account was in collections. This final bill is less than two weeks old. I feel this is deliberate misrepresentation of the status of the balance owed XXXX, and representative of an attempt to frighten consumers into believing they have been " turned over '' to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Credit card
Issue: Cash advance

Complaint:
XX/XX/2015 I took out a {$2000.00} cash advance from USAA. I was told over the phone that once I pay off the {$2000.00} cash advance, that I 'd no longer accrue interest on that advance. I even called USAA credit card customer service today and asked them to explain how the cash advance interest accrual system works. The representative advised that once the balance is paid off ( {$2000.00} in this case ), the interest accrual will cease. I advised the representative that I 've paid off more than {$2000.00} worth of payments since the cash advance was requested XX/XX/2015 and wondered why I was still being charged interest if what he said was true. He then came back and advised that " after doing research '' it was discovered that interest on cash advances will only cease once the credit card statement balance is paid in full. The issue is that I 've had a balance on my credit card for years and USAA knew that when I requested the advance and failed to disclose that over the phone. I feel cheated. This is obviously a UDAAP violation ( unfair deceptive act and practices ). Now I 'll be paying interest on the cash advance for years. To top it off, I requested the cash advance papers I signed to confirm the small print that they disclosed this and the representative advised to look for it on USAA.com ( but failed to provide an exact path to locate the documents ). I feel cheated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: CITIBANK, N.A.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The loan opened on XX/XX/XXXX, for the term of 254 months, at the interest rate of 8.23 %. The note amount is for {$570.00}. We have continued to pay our for loan. Earlier in XX/XX/XXXX and XX/XX/XXXX we were able to payoff the loan, but they talked my husband into keeping the loan to help his credit. So we decided to just make larger payments ex. {$1000.00} for our monthly payments for a while to bring down the principle. We got behind in XX/XX/XXXX due to trying to get someones attention, about the payments somehow were all going to interest and nothing to principle. Yes it had been months before we noticed, but I had to contact them and the response was " you are not on the loan so we can not discuss this with you ''. So my husband faxed over a letter to allow me to discuss the loan matter. They looked into the matter and finally came to some resolution to add the interest back to the account and gave us a deferment and said it would just be added to the end of our loan. Since then they still will not discuss the loan with me. We have tried and no return calls. So we have kept paying our loan in order to keep our home. 
My husband in the past couple of months went to what we were told at one time the main location in XXXX, Ohio. When he got there they were closing the location and had moved all information to another location. I tried to pay our loan on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XX/XX/XXXX, I thought they may have been doing some update on their web page. So I continued to call every number I could find online. It was only after a couple of hours before I reached a real person. The lady in AZ explained to me that all she could tell me was all accounts had been sold to other mortgage companies, and Citi financial was no more. So now we have paid 45 notes over our 254 months loan. There is a balance is still showing on our account. I am asking for your help in this matter, Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On or about XXXX XXXX, 2016 I went to Capital One bank branch at XXXX XXXX XXXX XXXXXXXX NY XXXX and submitted a request for cancelled checks indicated by check number. To date I have not received them. I need these in order to verify that payments were made to an estate or I will have to pay again if I can not provide cancelled checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
CFPB Complaint USAA Mortgage USAA is referred to herein as the " lender ''. 
All agreements to transact real estate were made on the basis of a 15-yr 3.0 % mortgage with 5 % down payment as approved in the prequalification process with USAA. When lender later disqualified the applicant, the only options given to the applicant were 30-year terms and interest rates near 3.75 %. In addition, the lender then enforced a 10 % minimum down payment. 
Central to this complaint is that the lender baselessly ( or without disclosing the basis ) disqualified the applicant 's rental property income ( $ XXXX/month ) while using the rental property 's mortgage ( PITI = $ XXXX/month ) as a debt in calculating the applicant 's Debt-to-Income ratio. The disqualification of this income is not a FNMA policy and the loan processor could not state the basis or origin for this decision. Upon this news, the applicant tried to remove himself from the USAA loan and change lenders on the sales contract, but this was rejected by the Seller. 
As a result in order to get the 15-year mortgage, the applicant now has to refinance with different lender in order to receive the negotiated rate and term, but now must pay all closing costs again. 

The complaints are summarized as follows : 1. Prequalified the loan applicant for a loan product for which he was disqualified after entering into a sales contract. 
2. Initially given no interest rate option that did not include points. 
3. Enforced a minimum down payment by virtue of the property being considered a condominium, even though it could be legally considered a single family detached property. 

Proposed remediation Refund all closing costs from the USAA mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I live in the city of XXXX, and moved in to my house in XX/XX/XXXX.  My mortgage company, Freedom Mortgage, required me to open an escrow account to cover my real estate taxes and house insurance when we got the loan. I have never missed a payment, or been late for a payment. On XX/XX/XXXX I was served with a notice from the city that they were threatening to start a sheriff 's sale on my house due to missing real estate taxes. They had already taken out liens against me for underpayment of real estate taxes in XX/XX/XXXX and XX/XX/XXXX. This was the first I was ever notified of this. It had turned out Freedom Mortgage had incorrectly determined the amount of real estate taxes owed on the house, and neither the city nor the mortgage company gave me notice of this. For {$2700.00} under underpayment over two years, I now owed the city {$3900.00} including penalties and interest. Somehow, Freedom Mortgage had figured this out and paid the correct amount for XX/XX/XXXX taxes, but did not take care of the missing balance from the previous two years. I immediately notified Freedom Mortgage about the issue, and they said they would take care of it, and cover the penalties and interest. I spoke to three different customer service agents who told me the same thing, but no one would send me confirmation of this in writing. 

Freedom Mortgage took longer than they said to pay the tax bill, risking me further legal action with the city. I was forced to hire an attorney to defend myself and my home from the city. Finally Freedom Mortgage paid the bill, but deducted the entire amount from my escrow account, rather than just the portion of the principal, and then sent me a bill saying I needed to pay them $ XXXX to cover my negative escrow balance and keep it full going forward. After hours of the phone, waiting on hold to speak to people familiar with my case, someone told me that " upper management, '' whom I am not allowed to speak to directly, had decided that I should 've notified them about the underpayments earlier so I was responsible for the penalties and interest, even though the city never notified me. When I called the city they said they had been sending my tax bill to the mortgage company. The Freedom Mortgage service rep two weeks ago said they 'd " discuss this further and reconsider '' but then stopped returning my phone calls. I can no longer get hold of anyone senior enough at Freedom Mortgage who can discuss my case. Calls to them take over 30 minutes even just to leave a message for someone who wo n't call me back.

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