BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
At this point in my life I am realizing that I will never in this lifetime be able to pay off my student loans. There is no exit strategy or repayment option that will ever work. Furthermore after years media coverage on the issue, I am realizing that I have been steered in the wrong direction several times by the loan company. They have almost forced me into categories several times being forbearance or payment plans. My best interests were never a concern, it was always about them. I know I am just one of many situations like this. They have never been clear about their policies nor have they communicated any real options in the past. Had I known of certain options previously, my loan situation may very well be different today. It is a trap set up for young people trying to make a future ... too bad its a future of paying off debt to the mob that is loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I originally took a student loan out through XXXX XXXX, which was transferred to Navient a few years ago. With the help of my mother, we entered into a payment agreement. We provided a substantial sum up front, and set up automatic monthly payments. Two years after the payments were withdrawn regularly, they stopped. I received no correspondence from Navient, and discovered the money was not being taken out when we noticed the money was not automatically being withdrawn. I contacted my account manager with Navient, who explained that payments can only be scheduled for two years at a time because of their system. I had to give him the same bank account information again to get it back on track. Three months had been missed, so we arranged for that amount to be withdrawn immediately, which it was, and re-set the automatic monthly payment schedule. Today I received an email that my account had been transferred and I needed to arrange a payment schedule with a new manager. It turns out that while I was told the monthly payments had been scheduled, they had not. My account was transferred " to another agency, '' which was never explained, and the account manager I had been dealing with said he 'd try to work with his supervisor to amend the situation. This loan has been a serious financial hardship, with astronomical interest rates, so much so that nearly 10 years after paying it, the loan is still close to the original balance. Navient has mishandled this account, treated me unfairly and made it extremely difficult for me to pay back my education loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: JPMORGAN CHASE & CO.
State: NY
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:
JP Morgan Chase Bank JPMCB CARD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX TEL : XXXX Company named above claims as a creditor on my credit report. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I am in collections, but fails to state the amount or what reason that I am in collections This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I 'm very frustrated with Bank Of America my husband checks are deposited by weekly and he has the same amount and they do n't want to process my husbands checks because they said to me the check images were bad but that was completely not true and then they said their is a problem with my husbands boss ' bank which is also untrue and come to find out after a 4-5 days the checks go through and the money gets deposited. I recently started working and they are also doing the same thing to me they do n't want to deposit my money until 4-5 days later during this time my bills wo n't get paid on time, I ca n't buy food because we do n't use credit cards we use our bank card or cash, my family needs to eat and buy necessary items that I ca n't buy and my babysitter is n't getting paid or my house is n't getting paid. I 'm a loyal customer to BOA and I have to pay overdraft fees every other week because BOA wo n't credit my checks to my account my over draft fees are now XXXX and counting last time I paid XXXX which happened daily. I do n't want to leave BOA but will do so if my overdraft fees are n't refunded and my checks are cleared by weekly I ca n't afford to give away my hard earned money to BOA this is n't fair to me or my family or to my bills or things I need to buy and my family is n't happy with me and wants these issues with my checks and overdraft fees resolved as I do. I never been so upset and I want to deposit my checks and BOA wo n't let me all of my coworkers are n't having this problem and my husband who is working for the same employer for more than 2 years never had a problem until XX/XX/2015- and currently. Hopefully you can resolve my issues and BOA starts checking my checks properly and never overdrafts me ever again because of you help. I do n't know what to do anymore and tirelessly called but no care in the world from BOA and feel helpless that 's why I 'm turning to you for help because I do n't know what more I can do if I know this is injustice but BOA does n't properly check their customers checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Credit validation letters to dispute a debt that's not mine with Kohls/XXXX  on XXXX/XXXX/20, they received and signed for this letter on XX/XX/20 at XXXX XXXX. 

At the same time i sent out 609 letters to XXXX  & XXXX  to dispute this debt. i waited 30 days for my results & XXXX  and XXXX  came back with debt validated. 

i don't understand how they could have validated this debt with Kohls/XXXX  because i did my own internal investigation and Kohls/XXXX  failed to respond to my credit validation letters i sent. 
After waiting 30+ days this debt isn't mine and is hurting my credit drastically. 
I Don't appreciate them just stamping it validated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Debt was sent to collections without being informed of balance being due

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Once my forbearance ended, I applied for another one. Navient denied my forbearance request. I spoke with Navient on the phone and was told my payment would be around {$120.00} per month. I explained I could not pay that and I was told that was as low as they could get it due to my income. I explained that although my income is fine, I have other bills and there simply is n't {$120.00} left over to pay this. They refused to work with me so I told them I would pay them what I can each month. For several months, I paid {$50.00} as that was all I could afford. Once my husband received a raise and I also received a raise, I began paying {$150.00} a month, the {$120.00} plus a little extra to help make up for the other months I paid {$50.00}. Navient is still calling me daily, emailing me with forbearance forms to fill out even though they have repeatedly denied them and sending me delinquency notices. To make matters worse, they are reporting me every month to the credit bureaus as being XXXX days late. Navient last reported me XX/XX/2016, since XX/XX/2016 my credit score has dropped XXXX points and the only negative I have on my credit report is Navient. My husband and I work very hard, we pay bills and buy groceries and thats it, yet we still live paycheck to paycheck and now I have a dwindling credit score to add to it. At this rate, I will have no credit score by the time Navient is done. This is absolutely ridiculous. I have tried to get Navient to work with me but they simply do not care. I 'm going to have to call them AGAIN just to be told by some rude customer service rep that there is nothing they can do. I understand I owe them over {$700.00} from the months I only paid them {$50.00}, but I am paying more than my given payment amount in order to pay that down and I do not feel that my credit score should suffer every month just because of this. Navient does not care about anything but getting their money. I am doing the best I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sold a debt for {$270.00} to a collection agency, XXXX. I was able to prove to XXXX that the debt was not mine, XXXX agreed in writing that the debt was not mine and that they would cease all debt collection actions against me. I shared this info with the collection agency XXXX. XXXX did not respond to me ( I sent certified letters ) - but instead sold this debt to another collection agency, Jefferson Capital - which has forced me to start the process all over again. I'm concerned that even once I prove this debt is not mine, the current debt collection will just sell the debt and force me to repeat the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I paid a tax {$1100.00} to XXXX XXXX XXXX XXXX XXXX on time. Bank of America made a mistake whereby the taxing authority returned the money to my account and Bank of America paid them the above amount plus {$220.00} in late fees. The mortgage payments are deducted from my cheeking account on the XXXX of the month automatically. Bank of America erroneously opened an escrow account and fund it out of my payments thereby making my loan payments partial payments and late for the last XXXX months. I have spoken to several persons in customer service and escrow department. I am promised the problem will be fixed it is not. I have a letter dated XXXX/XXXX/2015 my loan will be accelerated by XXXX XXXX. I was told to send a letter asking the bank to remove the late payment history from the XXXX credit bureau, I did. I was told I must also contact the bureau myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage has recently been taken over by Ocwen Loan Services Company and I have been getting letters of extortion from them requiring me to purchase additional insurance for my town home, of which I do not purchase from my past lender. I have not been able to get any evidence from Ocwen, in my original contract agreement that requires/enable such " new '' additional insurance other than the insurance that I 've always had with past 2 lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I applied for a modification, with NACA per NACA, Ocwen the mortgage holder is not honoring the chapter XXXX Bankruptcy charge off, and is refusing the modification, if Ocwen had problems with the Bankruptcy they were given the amount of time allowed, to do so. 
They ask for the RMA, they got it, any information they ask for they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Westlake Services, LLC
State: WA
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 are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, XXXXWESTLAKE FINANC add a hard inquiry on my credit report per XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2016-05-10
Company: Ocwen Financial Corporation
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The note holder of my home hired a law firm to foreclose on my home ... I disputed the debt within in the 30 days required by law but the Law firm never produced the Original Note that I signed as required by law ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Servicer is attempting to foreclose on my home, however I have a Satisfaction of mortgage that have been recorded in the County Clerks Office. Now my servicer has ask the courts to recind the Satisfaction, the Judge signed off on the erroneous Satisfaction on XXXX/XXXX/2016. I 'm now waiting for the county checks office to enter it into the records and send me a letter stating that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
i submitted a payment to XXXX XXXX  located in XXXX MS . I purchased a used refrigerator for {$550.00} on XX/XX/XXXX.On XX/XX/21 I moved into my home the refrigerator did not work.I contacted the vendor he stated he was coming out to repair the refrigerator but he has not and has not returned phone calls or texts. I reached out to CashApp but they state they cant do anything about the situation and just request a refund from the vendor. ive requested a refund but the vendor has not responded. i have reached out to CashApp several times relating to my refund but no response

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an FHA loan with escrows. The loan servicing company failed to pay our homeowner 's insurance premium on time last year and our homeowner 's insurance policy was cancelled due to non-payment and I had to pay the premium out of my checking account directly to the insurance company to have the policy reinstated and this year they did not pay the flood insurance policy on time and I have had to do the same thing.

Company response to consumer: Closed
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: NY
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:
The information on this report is unauthorized and was not done by me. Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: WA
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: U.S. BANCORP
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, USBANK add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2015-06-25
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ocwen created a new mortgage with loan number XXXX which I have refused to pay since its inception in XXXX.  I have never paid one payment on loan XXXX and I filed complaint number XXXX with this office which is currently under review.  Since Ocwen filed its response to complaint XXXX they modified loan number XXXX without a request from me and without any acceptance of the modification.  I became aware of the modification when I logged on line to Ocwen.com and looked at the mortgage account statement.  The statement shows that I have already missed one trial modification payment in the amount of XXXX and have a current payment due in the amount of XXXX that is due now.  Ocwen did not mail this statement to me, they did not mail modification papers to me to sign etc.

Company response to consumer: Closed
Consumer complaint received 2015-11-19
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was bought by Ocwen during bankruptcy. As time went by we finished our bankruptcy and had court orders stating that we are to pay a certain amount and that all past delinquent payments were considered paid in full. Ocwens attorney agreed to this order signed by the judge. We have made the required payments on time every month and most often paid more. We have bank statements verifying all monthly payments were on time. Ocwen is now sending letters saying they are missing payments, and are adding late charges to our account. I have tried talking with them over the phone but can not get anywhere with them. Each time I call I get different answers. They are now sending people out to take pictures of my house. I can only assume in preparations of foreclosure. I am not late on any payments and can prove it. My lawyer has instructed me to send a certified letter to the Ocwen attorney that represented them in my bankruptcy hearing. I have done this but have yet to hear from them.

Company response to consumer: Closed with explanation