BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: Aspen Properties Group, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Dear My name is XXXX XXXX. 
I am writing to you because I am looking for help. I have been told that my house is being foreclosed on by a collection company in the middle of a pandemic. I am a hard working American XXXX XXXX XXXX impacted by COVID. I have worked in XXXX  all of my life, I have built many American dreams with my hands and now someone is taking my house. What hurts the most, is not just the fact that I am impacted by COVID, but this came completely out of the blue. 
The company that is foreclosing on my home, I have never heard of. I have never signed anything to them,. 

It is not my first mortgage. My first mortgage is with XXXX XXXX. I called them to put me in deferral and they helped. 

The company that is foreclosing on me is Aspen Property Group LLC. The mortgage they are foreclosing on is from XXXX XXXX. They initiated foreclosure in XXXX. in XXXX they voluntarily dismissed the foreclosure because at that time there was no VALUE in the house. They CHARGED OFF the mortgage. This was the same time that when we tried to do a modification because we were impacted by the great recession. I was in construction then as well. We have paid for the first mortgage since then, for 9 years we have had no problems. 

We never heard anything from XXXX XXXX since the chargeoff and the voluntary dismissal. We never received any calls on this. We get emails telling us that the mortgage was sold to another company, We get letters saying that this financial company in bold letters say we only have 1 option. Pay in full. They do not offer modification or payment plan. 

I ask you to help me. I can not understand : 1. why did this mortgage get charged off and now a 4th company is foreclosing on my house without giving me the ability to make a payment plan 2. I never got served the foreclosure 3. is there no statute of limitations. The mortgage was charged off in XXXX. 
4. Illegally charging late fees. Original principal is XXXX. Interest at 11 % XXXX. late fees XXXX. They have charged me for late fees since XXXX. Many legal fees. 
5. how much money did this company pay for my mortgage 6. This collection agency is acting like a mortgage ( foreclose ) but they do not offer any payment plan, and foreclose in the middle of the pandemic. They are assuming the rights of a lien that was charged off 9 years ago 7. my first mortgage does not know and was not included 8. they are bypassing all foreclosure moratoriums. 
9. I have not been notified of the sale date. I got a flyer from a company asking me to pay it. 
10. me and my husband never got served. 

PLease look at XXXX county public. All happened on 1 day. XX/XX/XXXX. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MA
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:
After I graduated from XXXX school in 2013 I was told to put my loans into forbearance because I was sick and unable to work. The problem with this option was that I was never told that the interest was accruing the whole time leaving me with a huge loan that I am now trying to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: Lending Solutions Mortgage/ LSI Mortgage
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a private held mortgage ... I applied for a refi to reduce my interest rate, first time I applied in 2014 with XXXX after being told that I was approved at the last minute I was turned down.. 2nd time with LSI after being told I was approved and I would be receiving my documents I still to this day have not been turned down..I have submitted over and over the same documents numorus times, now resulting in a 8 months and XXXX appraisals over {$1000.00}. My attorney investigated this company and my loan officee and found that they do NOT have a license, neither of them. 3rd time was with XXXX was told I was approved, 24 hours before closing I was told I was denied. Claimed something about Frank Dodd act so I still do not what that was about. 
So here I have been turned down XXXX times, never once for credit, debt to income ration or income which is why a person would get turned down. 
I would like to take action/full investigation against all XXXX of these companies and I would like to get my loan approved and I would like all my money back for fraudulent appraisals. 
Please contact me at XXXX cell and email is XXXXXXXXXXXX to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: FIRST HORIZON BANK
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is filed against : First Horizon Home Loans, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and their representativesThere are clear violations of TILA, FDCPA, RESPA, Consumer Fraud, Mortgage Fraud, Mortgage Servicing Fraud, unfair, deceptive, abusive and bad faith acts and practices. I could only select one option below, even though there are multiple deficiencies, violations, predatory lending, fraud and lack of standing. In XXXX 2007, we refinanced our home at XXXX XXXX XXXX - XXXX NJ XXXX with First Horizon Home Loans. We were told of a lower interest rate that changed at the time of closing. We had a VA loan at 5.75 % the bank took advantage knowing we were refinancing trying to eliminate debt. We were strung along for years being promised a loan modification and forced to resubmit multiple loan mod applications. We were deceived to believe we would get a loan mod and were never put on a trial period even though we appointed and were working with a HUD certified counseling agency the bank refused to communicate with them. While they were proceeding with the foreclosure behind our backs. We also discovered the process server fraudulently claimed he had served my wife XXXX XXXX " a XXXX woman '' when in fact my wife is XXXX and was never served. There was confusion and they did not give clear answer to who had the Note, whom was the servicer, whom was the lender, whom was the bank. They used fear tactics, gave unclear answers and tormented us telling us we would be thrown out of the house by the Sheriff on several occasions. I finally realized their Fraud and Bad Faith, I filed consumer complaints against them with several Federal & State agencies they retaliated by denying the loan modification and expedited the sale of my property at sheriff sale within 3 months. During the XXXX months they issued multiple " stay of sheriff sale '' and failed to give us proper notice with an intent to confuse, torment and cause us to use our XXXX " 2 weeks stay of sheriff sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: AES/PHEAA
State: VA
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:
I am writing to express my frustration with the credit reporting practices of Fedloan Servicing. After I reapplied for an income-based repayment plan my payment increased significantly. I did not have the means to make the new payment. As I was trying to figure out my options for repayment Fedloan Servicing reported my account as delinquent. I was never contacted by Fedloan Servicing about my delinquent account. 
To my dismay, I discovered that my credit score dropped over XXXX points because of a negative report from Fedloan Servicing. I went from a credit score that was in the high XXXX to a credit score that was is in the low XXXX. I inquired with a credit bureau about why my credit score was so low. I was unaware that my federal loans were never consolidated when I transfer by loans from a XXXX XXXX back to the federal government. As I understood it my loans were consolidated under XXXX XXXX, but when I transferred them to the federal government they were somehow unconsolidated. According to Fedloan Servicing, I have XXXX outstanding federal loans. Fedloan Servicing reported a late payment for each loan. I now have XXXX negative reports! I no longer qualify for any type of credit! I was planning on buying a home this year but my dreams are dashed by this simple mistake! I am not sure how long I have to wait until I am creditworthy in the eyes of a mortgage lender. Despite buying a home I can no long obtain a fair deal on any credit. As I understand the negative report will stay on my credit report for seven years! 
I believe this an unfair practice. Most if not all consumers paying back their student loans to one servicer for student loans owned by one entity i.e., the federal government would think that their single payment to a servicer constitutes payment for the outstanding balance of the loans borrowed while in school. I believe most do not understand that the loans may be treated separately and that a late payment could result in the servicer reporting a late payment for each individual loan. Servicers of student loans should disclose that a negative report will be submitted for every outstanding loan if you are late on a payment. I was stunned that my loans were not considered to be consolidated although they are owned by the same entity. Fedloan Servicing and other student loan servicers should disclose to consumers when their loans are n't consolidated even if the loans are owned and or serviced by one entity and, as a result, a negative report to a credit bureau will show a negative report for every individual loan. This has indelibly affected my ability to obtain reasonable credit offers for several years!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$5500.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.

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 2016-05-06
Company: Alorica Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This was a debt that was mailed to an incorrect address. Once I found out about it, I immediately paid it in full. I asked that it be removed from my credit report due to not receiving the bill. I contacted the company but they only updated it to say it was paid. I should not be penalized for the bill being sent to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
This is a complaint against Experian XXXX XXXX. I have had months of call in to their Customer Service and been given a run around, abused, and had to deal with angry representatives. Today I had a conversation with Rep named XXXX and XXXX who were very agitated and upset why I was calling. Normally a dispute takes 30 days to resolve. 
I informed them that their rep who I spoke back in XXXX of 2020 told me that the collection account which is paid off and is showing on my credit report for more than 12 years will be removed. Secondly, the older accounts keep on appearing on my report, it doesn't show up for 2 years, then all of a sudden it shows up again just from few days. 
I was wanting to discuss about these, and XXXX was very angry, she said she is working from home, and is in New Years vacation mood, does not want to go in detail, she was yawning, pausing a lot, and very upset why I was calling. She further commented how good her Credit is and I am not paying my bills that is why I am been reported!! She told me that it will just take her few minutes to file a dispute " her way '' and resolve it without researching on it. She disputed on these accounts and sent me results same day without even working on it and researching just because she was ANGRY AND UPSET THAT I CALLED.

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 2016-02-07
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was a consignor of a loan with Santander for my boyfriend car. He did not pay the loan. I found out that he was lying on his name and he had an arrangement with the dealership. I had to file a police report and get the car back. I went to the dealership and asked them for help because 1/ the car was under my name, which i did not know since i was supposed to be a cosignor only and XXXX i couldn t afford it. The dealership told me that they handle this type of situation and came up with the contract saying that they will take over the loan and make payments to the car. Little did i know, they never made the payment and claim that i got the car back, which is not true. I have hired a lawyer on the case. And this is on my credit. I am currently trying to buy a house and I ca n't because of that. I Have submitted a complaint with the NY consumer affair, my lawyer sent letters to the dealership and they never responded. I have to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax has wiped all of my accounts from my credit report and reinserted accounts that was previously taken off when I disputed them. Equifax has taken off accounts I did not dispute ruining my credit and credit score. I have several accounts that was on my Equifax that is now no longer showing. There is a XXXX XXXX on my account that do not belong to me that I disputed and it was taken off of my Equifax report and now Equifax has reinserted the erroneous account even after I sent in proof of my address and a copy of my XXXX XXXX report. XXXX XXXX is where equifax states they verify information. I sent equifax a copy of my frozen XXXX XXXX file my self. No one can pull XXXX XXXX because it is frozen due to fraud. The XXXX account is attached to an address that i disputed is not mine and is deleted from my XXXX XXXX report as well. The accounts that DO BELONG on my equifax is : XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX  XXXX/XXXX, XXXX XXXX, and XXXX. Put these accounts back on my freaking credit. I never disputed them so they should have NEVER been taken off in the beginning. I see a lawsuit coming!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a car in 2005 value {$18000.00} Honda Civic. I paid the car note for 4 years at the end of the 4 years I was told that there was a balloon payment of {$8000.00} on the car. I had no idea I had a balloon payment. I told Honda finance that I did not have the {$8000.00} to make a XXXX time payment and they told me I had to return the car after paying for it for 4 years and they will treat it as a lease.I returned the car in great condition with minimal mileage. Now 6 years later Honda reported to credit bureaus that I owe {$380.00}, XXXX for a Civic. I have called several times to Honda Finance to dispute the amount and they said it was corrected .Today it is still on my credit report. This has stopped me from getting other loans or jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I left USA to take care of my sick family member in XX/XX/XXXX. I left money in my bank account for my past depts monthly payments. I came to USA for only 6 months to settle my student loan payments in XX/XX/XXXX. During this time I stayed 3 months in a hotel, 2 months in a friends apartment, 1 month an other friends ' apartment in a different city. I found out when I was not in the US my SSN had been used by someone and I reported to FTC and had Identity Theft case number available if needed. 
Soon after reporting, I left USA again in XXXX XXXX for 4 and a half years, returned in XX/XX/XXXX. XXXX. After a short time coming back I started to receive haresing phone calls, treathful words via phone from all around the country. I explained in each calls I was not in the country, the dates they were telling me that I was not in the US. 3 of 4 different companies stopped calling me but one escalated their temper toward me.They claim that, I had lived in a place and did not pay rent which was not possible a person in a 2-3 different address in a same time period. Now days, I am receiving not only haresing calls also bills mail to me. They even told me coming to my address and put me in jail in front of my children. This is too much for me to handle by kindness and smooth attitude. I can prove with my passport that I was not in the US. 
Someone did empty my bank account used my SSN, put me in a place to deal these terrible collection companies. Also there are 5 other phone numbers under my name that I did not use, and addresses I did not live in my credit report ... .It is frustrating. The bills does not even explain what is the dept for. It has been too long and apparently will not end without a legal action. Please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: BARCLAYS BANK DELAWARE
State: MN
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:
There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted Barclay fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


BARCLAYS BANK DELAWARE Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/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 2021-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On Friday, XX/XX/2021, I charged {$30.00} on my BankAmericard XXXX XXXX XXXX XXXX XXXX XXXX to add that amount to my New York XXXX XXXX XXXX XXXX XXXX subway ) XXXX  card. The transaction was approved and then processed on XX/XX/2021. 

However, on XX/XX/XXXX, the XXXX submitted another charge to that same credit card for another {$30.00}. This additional {$30.00} shows as a credit to my card and raises the balance due on my account. 

I called Bank of America to challenge the second charge. I was told by their representative that companies recharge cards to ensure that there are sufficient funds to cover the initial charge. And that the second {$30.00} charge will fall off in XXXX days. 
The first {$30.00} had already been approved and credited to my card XXXX days earlier. There is absolutely no reason for the XXXX to submit and the Bank of America to charge even if only temporary a second charge to my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is currently violating FCRA by reporting inaccurate and false data on my credit report. None of the account numbers match any documents from Department of EducationXXXX XXXX XXXX. There are XXXX different account numbers on Department of education correspondence, however none of them math what is being reported on my Equifax credit file. I disputed this directly with Equifax and they did not respond wiith in 45 days on my request, however Equifax drop my score XXXX points without cause since my dispute request. i have requested from XXXX via XXXX certified mail to remove these inaccurate i from my.

Company response to consumer: Closed with explanation