BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-08
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
When I enrolled into XXXX I felt grateful and had high hopes for a better future for myself and my family. I felt encouraged and finally able to be accepted by a college that I thought was going to help me get my career of a life time and I would n't have to worry about paying back my student loans until after I graduated. I was told that I would get a job as an XXXX if I completed their XXXX I excelled in my XXXX Program and graduated XXXX my associates, highest honors & perfect attendance throughout my entire program. Since I 've graduated I only been able to obtain Administrative and Accounting positions. I found out through a close friend of mine also attending XXXX that the school has closed, and has so many lawsuits. They 've been discredited of lying to their students, putting their student into debit and crumbled their reputation. I am very very disappointment as mush heart and stress I put myself through to graduate from XXXX my degree is n't worth the paper its printed on. I am in so much debit because of XXXX and their promises. I only graduated with an XXXX XXXX and have {$55000.00} of student loans all from XXXX ; {$45000.00} with Navient and {$7900.00} with XXXX XXXX Student Loans. Which this amount I should have not have only my XXXX but my XXXX and maybe even my XXXX XXXX. I ca n't afford this I have XXXX children and Navient wo n't help me even though I asked to discharge my loans since XXXX closed. I 've sent in my complaints to the XXXX ( ID # XXXX ) but I have n't heard nothing back about it. This is frustrating and I could just cry. I 've applied to different Architectural Companies but I just end up being an accountant or an administrative assistant. I do n't get that great pay rate that XXXX said I would to help pay my student loans. Please please someone help me!! As least work out something with me so I can afford to get my self out of this student loan debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
As of XXXX 2012 balance due {$57000.00} with XXXX XXXX. The collection department XXXX XXXX XXXX contracted me into an agreement to pay {$360.00} monthly with {$2.00}, XXXX down to lock in an intrest rate of 0.01 % in XXXX 2012. I have made all my payments on time since XXXX/XXXX/2012. Navient Solutions Inc. has now taken over the loan and charged me 7 % interest rate and my balance now reflects {$53.00}, XXXX. I have made multiple phone calls since early XXXX to have bothe the interest rate and blalnce due corrected. As of date the only correction they have made is showing my interest rate at 0.01 % but the balance is still not corrected. I have spoken to multiple managers named XXXX and XXXX and they keep telling me it should be resolved in a few weeks but still nothing and I spoke to XXXX again today and he tells me he does not know when this will be corrected but it will be done XXXX day. He said there was really nothing else they can do at this point. I would like my true balance corrected and I can not get anyone in their department to help me get this done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18
Company: Experian Information Solutions 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:
I received a call from a person attempting to collect a debt. After asking the person a few questions about the debt, I realized that I am a victim of identity theft. That call prompted me to check my credit report where I confirmed that some criminal had used my personal information to fraudulently apply for and obtain credit that I never received any benefit from. The accounts in question included credit cards from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and even an auto loan with XXXX XXXX. I couldn't believe that someone was literally driving around in a car that was financed using my personal information. I have called all of the banks involved and this has proven to be the most difficult thing I have ever had to deal with in my entire life. I can't seem to get any of the banks involved to help me. I feel helpless.

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 2022-03-27
Company: EQUIFAX, INC.
State: NJ
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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Issue: Other

Complaint:
hi i just found that i have a judement on my home i have been working with a mortgage company on selling my home so i can move closer to work the problem is i have contacted FIA Card Services several times also my mortgage company has to we have sent all info they asked for to release the judement and know body has contacted me or the mortgage company everything shows satisfied on my credit report we was told that me or my mortgage company would be contacted in 24 to 48 hours this has been going on for a month what is sad you can not talk with the people that handles this you talk with someone that tells you what to fax to them i filed bankruptcy in 2010 and they act like they dont have to do anything

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 2016-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
did a dispute with PRA llc they sent me XXXX copys of statements that do n't add up looks to be altered but there investigation says it 's valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: PA
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 didn't apply for these account on my credit report these are fraudulent accounts and i would like these account remove off my credit report.

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 2022-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have been dealing With Bank of America prepaid claims now for 2 months trying to get this fraud dispute taken care of I have called numerous times starting XX/XX/2022 and 2 to 3 times a week in XXXX. They just denied my claim again for he third time. I have sent police report and dispute letter and hardship this has costed me. I'm at A standstill because I don't know what else to do. My wallet was stolen out of the front seat of my car with the card envelope and a couple other cards. Please help me get this resolved

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 2020-03-18
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I loss my home due to a fire XX/XX/2020, I sent a insurance check to PHH Mortgage XX/XX/2020. the loan has been paid in full since XX/XX/2020. the refund amount owed to me is {$84000.00}, and they are yet to release the balance. They have lied to me left me on hold promise to call me back and they can not give me a competent answer on why they have not released my funds. I was suppose to close on my new home XX/XX/2020 at XXXX, however I can not because they are still holding on to the funds. I am staying at a hotel that XXXX XXXX XXXX is paying for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
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:
In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX  Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America sold a loan in which I was in dispute as illegal. While I was waiting for BOA to verify that my home loan with them was not legal they sold a XXXX loan to XXXX Mortgage, XXXX. I am seeking an answer to my quest. In XXXX I purchased a home under the first time buyers XXXX program. In XXXX I filed for a Modification with BOA for refinanced loan in XXXX, after refiling for this MOD in XXXX, I discovered that the loan was not legal so I requested a QWR from BOA in XXXX XXXX. After a year of haggling on today XXXX XXXX I finally got the complete package. I also in XXXX of this year sent a copy of the pages of the original Deed which shows that this is not a legal loan as of today BOA has not responded or addressed this issue. I am seeking closure to this matter! 
I explained to BOA that I also had a second with XXXX XXXX XXXX XXXX which was illegal. After my sending XXXX the portions of the deed which outlined the restrictions on the deeded property they gave me a Lien Release. I am seeking the same results from BOA and the acknowledgement that they sold my loan while we were in dispute. I need BOA to relay their findings to me and CMS.

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 2020-03-18
Company: EQUIFAX, INC.
State: GA
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:
THE FOLLOWING ACCOUNTS WERE PLACED ON MY CONSUMER CREDIT FILE DUE TO FRAUD XXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've been asking Bank of America for legal documents on my loan for literally years now, probably 5 years, but very interesting that when they turned over my loan for servicing that all of the sudden there was documentation created. They created an Assignment of Mortgage from XXXX via the XXXX system to Bank of America and then a month later from the XXXX system for XXXX to XXXX ( XXXX ). Now Bank of America has been stating for years that XXXX is the owner so what is all of this? Bank of America 'seized ' ownership for a month even though been collecting from me for years and then assigned it to this XXXX ...? This is insanity and I do n't even have to check to know that not one bit of this was made legal by having it recorded and whose signatures are these ... Why is Bank of America creating these documents and not XXXX??? It 's interesting because one states prepared by Bank of America and the other by XXXX XXXX but the same phone number so also Bank of America? Is this done in Bank of America 's fraudulent document creation lab like the other document XXXX sent which was a complete forgery ( that 's being dealt with separately ). 

This is all just more Bank of America trying to deceive and cover their corrupt actions or if not, there needs to be some serious explanations as to what this is all about!

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
Consumer complaint received 2016-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Inaccurate information on credit report Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016

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 2022-03-27
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: Account information incorrect

Complaint:
XXXX XXXX XXXX shows i had one 30 day late, but i was never late

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 2020-03-20
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019- we paid county taxes for {$2100.00}. We did not realize that county taxes are paid by our escrow account. Our escrow account/mortgage company, Mr. Cooper again paid the same county taxes that we already paid for on XX/XX/2019. We contacted Mr Cooper and they contacted the city and they issued a refund to the overpayment from our escrow account to Mr. Cooper on XX/XX/2019. The check was received and cashed by Mr. Cooper. However, Mr. Cooper never put that refund back into our escrow account. The funds are now missing and we've called Mr. Cooper several times and we got a turnaround. We've been in contact with someone from Mr. Cooper but she hasn't gotten us an definite answer. We don't know why they will not refund our overpayment back into our escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX I purchased a vehicle and became ill requiring immediate surgery. I had XXXX through my employer, ( I thought ), and they did not make the payments. Needless to say I was without a salary for XXXX months. During this time there was no way to pay the loan and the vehicle was repossessed XXXX. I got married and my husband and I were purchasing a home and the mortgage company noticed a change in the date this was originally reported. The date went from XXXX to XXXX. The mortgage company and I conference called with XXXX XXXX with the original creditor and they confirmed the date was indeed XXXX and the company the account was sold to changed the date. The company was contacted by my current mortgage company on my behalf and stated they would correct the information, however, XXXX of my new credit card limits was reduced because of the same company reporting as of XXXX this account is " open, '' which is not possible because it was written off years ago. It is not " paid '' but it is not open. This would imply that I have the vehicle. I have since obtained a vehicle and do not have an open account with them. I would really like this to be reported accurately because I have worked too hard to clean up things from past credit hardships and this information is being reported inaccurately. I would appreciate any assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions 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:
I did not open these account, ive been a victim of identity theft

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 2020-03-18
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On or around XX/XX/2020 I apply for a XXXX XXXX  account with XXXX XXXX XXXX application number XXXX was denied because according to sagestream LLC my credit score is XXXX which is wrong information try to reach out to company but they won't resolve my issue they have inaccurate information with my score they won't let me review it or resolve it I never gave permission for sagestream LLC to have my information I got denied credit base on their incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: CL Holdings LLC
State: ME
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 received a letter from XXXX stating I owe a debt and must repond/dispute in 30 days or they assume it is valid. The debt is time-barred so I responded with a certified letter and regular letter disputing the debt. Two weeks later XXXX mails me stating they are not handling the account any longer. One week later Jefferson Capital Systems LLC sends me a letter stating I owe a debt of the same sum and that I have 30 days to respond or they assume it is valid. Where does this end?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Identity theft/ XXXX, XXXX Bank Delaware XXXX XXXX.XXXX, XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I financed my house in XXXX of XXXX with a balloon payment. I refinanced the mortgage in XXXX with a fixed rate. I went to refinance my mortgage at a much lower interest rate in XXXX of XXXX. We ran into a problem of the original mortgage not having been released. Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX is the company that has been servicing the original and current mortgage but have not responded in a timely manner to fix the problem with the mortgage not being released. It has now been 3 months without the situation with the non released mortgage being resolved. This is costing me out of my pocket extra interest on the current loan that I would be saving by completing the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: PMAB,LLC
State: NC
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:
For about a month now I have been in contact with XXXX regarding some accounts that were already asked to be removed from my credit report by myself and assumedly by PMAB. XXXX   and XXXX  have removed the accounts from their bureaus. XXXX  has not. XXXX  has removed the creditor 's name ( PMAB ) but is still reporting the remainder of the account information for the accounts in question ( there are some generic numbers in place of PMAB 's name ). They told me that PMAB had not requested that the information be removed and they would have to request that the information be removed from the report before XXXX  would remove it.

Company response to consumer: Closed with explanation