BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-18
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient .... do I need to say more!   They have harassed our EX-in-laws to death!  XXXX  &  XXXX   XXXX .    XXXX . The  XXXX  are now threatening legal action against  US!    YES! My daughter  XXXX   XXXX  -  XXXX  owes this company LOTS of student loan money. She is an UN-employed  XXXX  living  XXXX  knows where!   When she was employed she made her payment timely. When she was n  't, Navient would n't work with her for a repayment plan - without her co signers last 6 mos. of bank statement and paycheck stubs!!!!! WHY would they need MY financial history when SHE is willing to re-pay?? I am in bankruptcy and my house is in foreclosure. I am on a medical leave and have n't received a paycheck in 5 months.
You cant get blood from a turnip! If Navient practiced   the same repayment plan as ANY federal loan  - Meaning Federal  loans in repayment are so easily negotiated.   Instead Navient hounds, humiliated and harasses!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
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:
RUSHMORE LOAN MANAGEMENT SERVICES HAS BEEN IN VIOLATIONS OF MY CONSUMER RIGHTS SINCE I SENT THEM A LETTER BY CERTIFIED MAIL # XXXX ON XX/XX/2021. AND ALSO INCLUDED WITH THIS LETTER WERE COPYS OF DATA FURNISHERS RESPONSIBILITIES TO CONSUMERS, A JUDGE ORDER, AND A COPY OF MY XXXX REPORT # XXXX WHICH SHOWS RUSHMORE VIOLATION OF SHOWING FRAUD, AND A MIX FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have attempted several times to get the tax lien removed however experian ignored all my attempts. I have applied with XXXX and got an approval for withdrawal which I sent to county of XXXX XXXX who confirmed that this is NO longer a public record and they are NOT reporting this to the bureaus which I have submitted to experian with hopes that they will remove this inaccurate information from my credit report. However, all my requests were ignored and nothing was done to correct this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account was paid and closed but remains on my Experian credit report. Even after I requested for the items to be removed, the items remain and are damaging to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have se nt 3 letters to  Equifax regarding unvalidated information on my credit report. Th e 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. Equifax failed to provide me verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 day These negative events were not removed. Poof was not provided that these inquiries were in fact authorized with an instrument bea ring my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I lost my debit card at my job in the mall and someone must have picked it up and then I noticed that there was sever thousand worth of purchases over the course of XXXX XXXX that were unauthorized and I was not in the state at the time I was visiting my cousins wedding in XXXX, ( fraud happened in XXXX  ) the bank had refused to accept my dispute over 4 times now. Each time with a XXXX reason like, seller contact when I reached out to see if they could help and they used that as one way to deny it. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian is refusing to investigate information that is on my Free Credit Report. The information is old, ( XXXX XXXX ) and should of been removed as of XXXX/XXXX/2016, according to my previous Experian Report # XXXX, however, I can not get them to even check my old report information, due to the fact that they investigated this particular account years ago. I do n't need them to contact the institution, I just need Experian to check my old report information to see that this information is negative and old information, and suppose to be off my report by now.

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 2017-05-18
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Plaza services was paid {$200.00} back in  XXXX  of   XXXX  , as soon as I paid them they still had access to my social, and charged more fees, not even a week later. If I were to owe them more fees the agent would have specified that. I believe they are abusing their authority to get money from people that are barely able to pay their own monthly bills. I too also receive public assistance as a supplement because I ca n't just survive off my work income.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Ability Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On  XXXX / XXXX / XXXX  a person called me from  XXXX   Abiility Recovery Services. Attempting to get pa yment from an ER visit for my son that took place o ver two  years ago on  XXXX / XXXX / XXXX . I have received no bill, no written communication, nothing   in two years. He claims the doctors that treated my son were from a doctors group, they failed to bill and now could not bill as they were no longer associated with the hospital.
I became irritated with him as my son was fully insured and if they did n't bill him that 's their problem, additionally, why I am being bothered with this two years later?
He began berating me because I used the S word ... ..telling me that " I was speaking to a " legal professional '' with 20 years experience '' Then he said " I understand you are in a bad place, but it 's a  bout to get much worse, ''.     I asked him if he was threatening me and he said " if that 's how you want to play this ... yes I am. '' This is in direct violation of the law, I would like them fined and sanctioned immediately, Additionally, I 'm in a bankruptcy, The hospital where my son was treated was notified and filed no claim. When I told him this he said " How was I supposed to know that?? I 'm done with you ... .have your lawyer call me. '' And slammed down the phone in my ear,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed XXXX alleged accounts with QAR, LLC that were reporting in my XXXX, XXXX & XXXX credit files & reports. QAR was not a creditor of mine nor were they working on behalf of a creditor of mine. 

I disputed with the CRAs directly & with QAR but they are still collecting via my XXXX and XXXX credit file without providing proper docuemtation for the alleged debts. As a matter of fact, they are only making generic claims without producing any evidence for the alleged debts. 

I disputed the alleged debts directly with the CRAs 3 times & with QAR 3 times as well. 

Lastly, they claim that the alleged debts were owed to XXXX. However, XXXX has never sent me a bill for payment regarding any outstanding debt. Just because someone claims I owe a debt to someone does not mean I actually owed the debt. XXXX has never reported any information on me to any CRA and only QAR is making the claims. QAR has never sent me a bill for payment as well. The burden of proof is on the one making the claims. 

It is not upto the consumer to disprove that he does not owe the debt. I am merely disputing the alleged debts and QAR should put up or shut up & get out of my life. To date they have done neither.

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 2017-05-18
Company: Big Picture Loans, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I attempted to make a payment onlver the phone with my debit card in the amount of {$540.00}, but the agents stated that there was an issue with my CVV code. I called my bank only to confirm there was no such attempt at an authorization. I calle d BPL back and att entpted again to process a payment and was told the same thing as before. I eventually settle to have the payment ACHed from my account for {$560.00} for  two  days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to modify my mortgage for  six mont  hs with Shellpoint Mortgage Servicing, everytime they tell me I ha ve all the documents submitted and it will go to underwriting it never happens, I would call back and they would say they need new or updated documents. It would take me to call them to get that answer. On  X/XX/2017   I  called and spoke to  XXXX   XXXX  and she told me the documents I needed and I faxed them over. On  X/XX/2017   I d id call again to see the status on the loan and they said they were procesing it. They did send out  one lette r back on    XXXX   XXXX  , 2017  stating the package was incomplete. On  X/XX/2017    I did fax over the information that they had requested with a cover page stating to please call me immediately if any further documentation was needed. No call back, when I called in early  XX/XX/XXXX  they said I needed additional documentation, so on   X/X/2017  I   f axed over the items requested. No call back.  Early   XX/XX/XXXX  I called to see the status and they said they needed additional documentation. On  X/XX/2017   I fax ed over items requested. No call back.    X/XX/2017   I s poke to   XXXX   XXXX    and he told me i needed to send additional documents I did so on    X/XX/2017  . N o call back. In early  XX/XX/XXXX  I finally was able to speak to the person in charge of my loan  XXXX   XXXX  and he told me the information his representatives was telling me was not true, and began to tell me the documents he needed for it to go to underwriting. ( I have left numerous messages for  XXXX   XXXX  and he never returned the call. ) O n   X/X/2017   I s ent over all the information that  XXXX   XXXX  requested with a cover letter stating to please call me if he needed any additional information, and left my cell number. No call back. On    X/X/2017   I spo ke to a representative named and  XXXX  and she said I needed to send additional documentation which I did with a cover letter to  XXXX  and no call back. Every time I sent over the documentation that was requested I felt the package was complete and going to underwriting and when I would call to see the status, it always resulted in wanting additional documents.I have called and sent documents over other times in the past 5 months but did not document them. I have called and asked for  XXXX   XXXX  supervisor and left messages but no return calls and never any letters from  Shellpoint e xcept for the  one i n  XXXX  , 2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid XXXX last month to catch this account up to date and they are reporting paid up to date nor have they adjusted the months they say I was late and per document I sent 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 2015-04-09
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted this company for debt verification on XXXX/XXXX/2015. They acknowledged this in the original complaint I filed against this company and yet here it is XXXX/XXXX/2015 and I have not received any verification of this debt. They are still reporting it to my credit reports and I want it removed. They can not verify the debt and have n't attempted to do so. If they are not going to be held responsible for breaking the rules of the FCRA I will take it further. Original correspondence was case number XXXX, they stated ... On XXXX XXXX, 2015, XXXX XXXX logged into her account using our website www.payerc.com. At that time, XXXX XXXX sent correspondence to our Customer Care Team requesting validation of debt for the referenced account and mentioned that she would also like the item removed from her credit bureau report. 

Per her dispute, our agency updated the account as a disputed item and placed in an investigatory status to prevent further collection efforts from proceeding. Additionally, the account was updated accurately as " Disputed '' with the credit reporting agencies on XXXX XXXX, 2015. 
they have not validated or verified, I want this removed from all XXXX credit bureaus asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been working with Navient and  XXXX  for the past year on an IDR. I have faxed over documents multiple times including pay stubs and the application for an IDR whi ch Navient continued   to say they never received on at least 3-4 occasions each time offering me a 60 day forebearance. On the last occasion I mailed a ha rd copy to the company and finally received an IDR,  XXXX  received my documents however takes several days to process and IDR. They in turn report that additional information is required because the pay stubs need to be within the past 30 days.After supplying current pay stubs the agency requires the same duration for processing as the pay stubs expiration and I repeat the process offering a forbearance each time. The services appear to operating dishonestly by giving the " run-around '' to individuals making due diligent efforts to receive an IDR plan an affordable monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Repeated harrassment phone calls at my place of business on the XXXX day of the month ( mortgage payment due on XXXX to the XXXX -- STATED ON MORTGAGE!!!!! ) -- Just to help stop harrassment, I am mailing payment two days before XXXX -- due to mail -- not there yet -- they are making me lose my temper at my business -- causing stress -- please make them stop calling me immediately.,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: Allied Servicing Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Allied Servicing Corporation, a debt collector, is attempting to foreclose on property that my family has superior interest in. Allied Servicing Corporation has not provided any legal documentation authorizing them to collect on this alleged debt. They have not provided me with any proof of a recorded mortgage assignment authorizing Allied Servicing Corporation to act on behalf of any creditor for this alleged debt. 

At this time, I am formally disputing this alleged debt and requesting Allied Servicing Corporation to provide me with the following documents in accordance with the Fair Debt Collections Practices Act ( FDCPA ) : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this alleged debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
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: Account information incorrect

Complaint:
In   XXXX  , I consolidated my student loans through loan servicer  XXXX   XXXX   XXXX  and the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded m y 10 year old loan a s " closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the s ame 10 year old studen t loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped my credit score  XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: EQUIFAX, INC.
State: IL
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:
Equifax is a fraud. Every time they delete something from my credit report it comes back on after they say they have deleted the item. Prime Example : 1.   XXXX   XXXX   XXXX   XXXX   Was removed on several occasions. I 've included all screen shots. I have a case with them that recently closed on   XXXX   file #  XXXX . On that credit report, it states that this account is currently not reporting on my credit file, however, I 've included a screenshot with today 's date of   XXXX   of my Equifax credit report and I 've also included that screenshot as well. There 's an Illinois Law that protects consumers from the credit reporting agency that protects the misuse of the consumers ' credit file.
To Equifax, On   XXXX   I discovered   XXXX   XXXX   XXXX   XXXX   had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
CFPB I plan to file a lawsuit against the creditor for re-inserting the item under the Fair Reporting Credit Act ( FRCA ). It seems like once I contact you guys about this company and they 're wrongful practice they remove the item and reinsert it connivingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Convergent Outsourcing is guilty of collecting junk debts and is attempting to collect a debt that is no longer owed and satisfied over ten years ago. There are FALSE statements written in the letter, stating they are authorized to collect on this account. Under the FCRA the debt is no longer owed. In addition, my name is incorrect as well I and distant relatives have been receiving harassing phone calls from Convergent Outsourcing.

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 2016-03-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax has not updated the information provided by XXXX mortgage XXXX provided wrong information to credit bureaus Equifax is the only company NOT to update after receiving info from me and XXXX they continue to leave foreclosure information on the bureau report even when asked by XXXX and my self to remove ( see attached )

Company response to consumer: Closed with explanation