BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 To who it may concern, I got switched to a new lender in XXXX ( Specialized Loan Servicing ) and called because I had questions regarding my payments since I had auto pay with my last lender ( XXXX  ) so I had to get my new account number from Specialized Loan Servicing to make my payment. During that process I called and spoke with them everything was fine, they told me how much I was going to owe every month and what specific day it would be best for me them to take money out since I was enrolling to auto pay with them as well. For the month of XXXX I saw they took out {$3500.00} from my account, I had called and spoke with them once again regarding what was going on and why they were taking so much money out. They started out saying I had late payments, and other fees but they never told me about any late fees or sent any papers regarding late payments or any fees. I spoke with a representative of Specialized Loan Servicing for the XXXX time regarding this situation on XX/XX/2022 who mentioned that it was a misunderstanding and that I should be refunded a total of {$3500.00}, since I do not have any late charges from my previous lender ( XXXX  ) statement XXXX. Showing {$590.00} payment from the last month period I had with them.

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 2022-02-15
Company: EQUIFAX, INC.
State: AL
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 is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XX/XX/XXXX {$1700.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8500.00} XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: SC
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:
On XXXX/XXXX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XXXX of XXXX I received notice that Equifax had experienced a data breach and information was compromised. On XXXX/XXXX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX was located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit can not be pulled without my authorization and that has not happened. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30
Company: Navient Solutions, LLC.
State: OR
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:
Navient is my loan service provider. I choose to make my payments every month myself as I work in the XXXX and believe that ACH debits create more headaches then actually help the consumer due to the number of fees I have seen them cause for this so called convenience. I have XXXX loans with Navient and I always pay a little more then is what is due. I contacted them on XXXX/XXXX/XXXX because I noticed that I was paid ahead and had been for sometime. I did some research on their site and noticed that any extra payments do not get applied to the principle of the loan they go to future payment. I emailed them and asked that my payments be reapplied to the principle instead of future payments and that going forward my payments be applied that way. Their response was that their platform does not allow that unless you are on auto pay. XXXX if all I feel as if I am being discriminated against because of the way I choose to make my payments. XXXX of all this could cause not only myself it any other people who want to pay this way to pay more in interest in the long run. For example a change in payment date could effect the total payed on the loan or if you were not paying attention and noticed you did n't owe anything on the statement and forgot to pay it you would have made that future payment for no reason. I believe that if thy are going to offer it for XXXX type of person making payments a certain way anyone making payments should have the same options. XXXX I believe they have probably profited from this practice unfairly charge people interest by not applying extra payments to the principle of the loan. Thank you for looking into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My bank account with bank of America was closed because someone wrote me a bad check. How would I have known that it was a bad check? because of this issue I ca n't no longer open a bank account with any financial institution. This is unfair for the consumer. The person who wrote the bad check should be penalized not the person receiving a check. This is another example of Big Banks XXXX the little consumer as if we have no right. If this issue is not resolved thru consumer protection, I will seek a class law suit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was at work when my co-worker called me into his office to hand me his phone. It was a woman from Navient asking my coworker about me. I took the phone from him and she came off screaming at me telling me that if I do n't pay my student loan I will go to jail and that I owed {$26000.00} I need to payment I do n't have any more time to pay I took all the time I need already. I was so embarrass that I gave her my phone number to call back so I talk to her outside my job. When I spoke to her she was nasty phone after work she told me I need to pay or she will garnish my pay and I need to give a check today for {$6000.00} and she will see what she can do after that. I was so scared I call and got transfer over to Navient letting me believed it was real. I call XXXX because I did not believe that my loan was with this company Navient. She told me I need to go borrowed from my husband, parents, friends and my employer to pay the loan back. I ask if I can me an agreement to send {$1500.00} first and then send payments of {$500.00} each for several months I went on my XXXX XXXX account I never saw the payment posted to my account and that put me in even more trouble owing more.. I called XXXX again and each time I got Navient. This women also had my mom 's phone number and call me mother to get payment from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with Bank of america. They later transferred the servicing of the loan to XXXX in XXXX. I paid steterus timely and was never late. In XXXX XXXX, I refinanced with quicken in XXXX XXXX. Bank of america is still showing the account as delinquent with XXXX and they are showing the mortgage as an installment loan that is delinquent with XXXX. Both of these are incorrectly and impacting my ability to get premium interest rates. I have written the bureaus on several occasions about this and they have not made the corrections. I understand if they ca n't correct it they must delete the entry.

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 2016-06-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Per my conversation with loss mitigation representative this afternoon, please find pertinent documents attached to show a modification application was in review at time of loan transfer from XXXX via XXXX XXXX XXXX. The denial reason was listed as the loan being transferred - this is not a valid reason for modification denial. I am aware of the 37 day requirement prior to a sale date for modification review however this delay in decision due to the servicing transfer is not the fault of this borrower. Due to this fact I request the sale date be postponed long enough in order for a proper modification review to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended the XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX FL and XXXX IL in the online course from XX/XX/XXXX until XX/XX/XXXX. I started out making very good grades and even Received a XXXX online XXXX XXXX XXXX recognition of outstanding academic achievement. As soon as we entered the " coding '' section of the course I started to have real problems and requested a tutor. I was told there was no tutor 's available for that particular section. My instructor also stated this was the section most people had a very hard time with and people ended up dropping out of the school during this time. I continued to struggle after getting no help and eventually had to drop out before I ran up loans and school bills for something that had absolutely no end or help in sight. So for being there for 10 total months and really did n't do much in XXXX on I ended up getting {$11000.00} in student loan debt. I was on XXXX while I was in enrolled in school. My first payment was XX/XX/XXXX. I questioned how I ran up so much in debt for an online course that I only dropped out of because they refused to try and help me and pretty much just left me behind and fail with no help at all. The school ended up closing and defaulted in many school debts. I have had a monthly payment of around {$89.00} a month but is now going up to {$110.00} a month. And I am scheduled to pay back {$4100.00} in interest and this is putting a financial strain on my household. I do n't think its fair that you could see I was a very good student making good grades and never missing online meetings or scheduled classes to all of a sudden going downhill with no help from a school that ended up closing its doors and not seeming to really care about the issues I and other students were having.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: First National Collection Bureau, Inc.
State: CA
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 keep getting debt from collection and account that are not mine and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
These companies have coerced and induced me into a form of identity theft through alteration of my name from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There was no contractual disclosure or meeting of the minds.

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 2017-01-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am XXXX of XXXX equal parties on a mortgage. The mortgage company refuses to list my name on the mortgage statement received monthly as " their system only allows XXXX names to be listed ''. I am functioning as the " primary '' on the loan and make the monthly payments. The post office keeps writing on the envelopes questioning whether they should deliver these documents to my address as I am not listed on the correspondence. I have tried repeatedly, most recently, today XXXX/XXXX/2017, through their customer service department to get this rectified. They refuse to make any attempt to do so, but insist that I write them a letter, which I have done previously. They insist they have never received any of this correspondence. They also refuse to reveal any consumer protection agency to whom I can ask for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: DISCOVER BANK
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I applied for a home equity loan on XXXX/XXXX/2016 and sent the documents requested by the personal banker ( XXXX XXXX ) on XXXX/XXXX/2016. I did not hear from my processor ( XXXX XXXX ) until XXXX/XXXX/2016 and responded to her requests the same day. The processor does not return phone calls or emails. To add insult to injury, I received a notice in the mail that my application would be cancelled if I did not respond to the requests for documentation ( which I already provided ) by XXXX/XXXX/2016. I received another email from the loan processor on XXXX/XXXX/2016 asking me how I was progressing in providing the documents that she requested, to which I responded that I 'd already provided the documentation, and she has yet to reply to me. I have made several unsuccessful requests to speak with XXXX manager about these concerns and still have no resolution. XXXX lack of organization, customer service, and poor responsiveness have delayed the underwtiting process of my application and caused me unnecessary inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the account named above. I never signed a " HIPPA '' release form to share my medical records. According to the " Fair Credit Reporting Act '' this is a violation of my HIPPA Rights. Medical Revenue Services has obtained a copy of my medical records for services on XX/XX/19.

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 2016-08-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Since Navient took over my account I have been slammed with misleading and unduly harsh credit reporting practices. The first occurred in XXXX XXXX. After making a payment of {$500.00} on XXXX XXXX, XXXX to pay down my balance, I was alarmed to find that I was reported delinquent to the credit bureaus just one day later. I was told in certain terms by a Navient rep that I would not be reported late if I made the requested payment, but not told that my payment would only apply to reporting in XXXX XXXX, which had only 2 days remaining at the time that I made payment in good faith. It was a bait and switch tactic. I had no idea that Navient would attack my credit just a couple of days later - after I made a payment. I was not advised that any of this could or would happen. I appealed to Navient to reverse this unduly harsh report which was visible to me on XXXX XXXX, especially since I was trying to make more consistent payments. They refused. 

In XXXX XXXX, while trying to understand and rectify the delinquent XXXX report with Navient, I was advised by a rep to consider forbearance. I agreed and authorized it. I understood that it would begin in XXXX and curtail future negative reporting. Two days ago, in XXXX, I was shocked to see a 120 day delinquent on my credit report. I received no emails as I did in the past from Navient, no calls. Nothing. 

Together, these actions tanked my credit score and ability to purchase a home, which I repeatedly appealed to Navient. They refused to work cooperatively with me, to recognize my efforts. A very different experience from XXXX XXXX. 

At this point, I see no reason to have any further contact with Navient. They have killed my American Dream of home ownership and purchasing a car in less than one year. As a single mom, I face a lot each day and I try my best to pay my bills. I am current on all of my credit cards. Navient however is unscrupulous - they have kicked me twice now. Very hard. And with zero warning. 


after being told this would not occur when I made a payment {$500.00} payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: DISCOVER BANK
State: NY
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:
My loan payment was raised by {$130.00} dollars with no written notice by Discover Student Loans. 
They are unwilling to work with me to reduce my payments, & say that if I do n't make full payments they will report me to a credit company. I always make my payments on time. 
They have withdrawn funds my checking account without my consent & they admitted to doing it. 
I am having so many issues with Discover Student Loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-08
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX, XXXX I filed a fraud claim against a company in California. The person who took my complaint XXXX, gave me Case number XXXX. She incorrectly charged the wrong company, XXXX with fraud. A few days later when I found this out about this error, I called Citibank and talked to XXXX who I reported this error to and again named the company for which the fraud complaint was intended for. XXXX assigned me case number XXXX. The case of fraud against the California company was resolved in my favor 3 months later. I received a letter from Citibank in XXXX, XXXX asking if I wanted to drop charges against XXXX. I then called and spoke to a Citibank customer service person who said I had to sign the letter that I did not want to press fraud charges even if I never charged XXXX with fraud. I asked to speak to supervisor XXXX who said to ignore the letter since he could see I had informed Citibank of the error in XXXX, XXXX. I then started having a problem with XXXX and an inability to use my debit card with them. I reported this problem to supervisor XXXX XXXX on XXXX/XXXX/XXXX. He said it should be cleared up in one week. I made contact with customer service that I was concerned that XXXX did not give me a case number and that he would not send me an email confirming what he would do. I later received an email that it might take another 3 more months to clear up, but still no case number assigned to the problem. I emailed XXXX XXXX XXXX in XXXX XXXX at the Citibank executive response unit in XXXX XXXX and she said she would investigate and then a week later stated in an email to me : " XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding the use of your debit card with XXXX. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. '' She then stated the " case was closed. '' I still can not use XXXX to purchase items and it has been almost a year that I reported Citibank 's error and now XXXX XXXX XXXX will not respond to my emails and normal customer service at Citibank will not address the problem since it has been handled by the executive response unit.

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 2022-02-16
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Dear, US BANK/ELAN FINANCIAL SERVICES This letter is in regards to the account ( XXXX ) reporting to my XXXX credit file. I am requesting that you contact XXXX in good faith and agree to delete/remove this account. It is set to be deleted/removed on XX/XX/XXXX which is 16 months from now due to the 7-year limitation negative reporting rule.

This account was fraudulently opened and used back in XXXX of XXXX. I have repeatedly tried to reach out and have this issue resolved due to the hardship this account has caused by being on my credit report while dealing with the damages of COVID-19. 

XXXX 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 non-monetary relief