BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and bought a car under my name and credit score for {$22000.00} in XX/XX/2020. The only reason I found out is that I wanted to get a loan from my credit union and the lady told me I had not made my car payments for over a year. She showed me the information and it shows a collection agency named XXXX XXXX XXXX and also says that I am responsible for the auto loan as well as two other people named : XXXX XXXX and XXXX XXXX. I do not know these people. I did not buy a car or co-sign a car for anyone except my daughter XXXX XXXX. I have never received any phone calls or letters from this collection agency. I believe the thieves did not use my address or phone number because I would have caught this sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: RMS-Recovery Management Services, Inc.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On   XXXX   XXXX   XXXX    , I notifie d RMS Recovery Management Services , Inc.  in writing that I was unaware of the debt they claimed I owe from over 20 years ago, requested validation of my  debt to RMS and no tified them to cease and desist all communications in attempt to collect this debt. This included phone calls to third parties. On   XXXX   XXXX   XXXX    ,  XXXX   XXXX  of  RMS called both  my number and my employer, which has caused damage to my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/04 a transaction from XXXX XXXX was sent to a user. I havent Used XXXX XXXX in years. I filed fraud both through my bank account as well XXXX XXXX giving them proof it wasnt me and havent used their services and still was denied

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 monetary relief
Consumer complaint received 2015-05-28
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is charging for time usage on cellular numbers not used. I have disputed this several times, yet they do not send me documentation to back this debt because there isnt. How can I owe money when I didnt use their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Forest Recovery Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i just checked into my credit and i have past medical bills due to a  XXXX  and all the bills where payed in full and now i have bills in collections and the baby was an   XXXX   so all the medical bills where addressed with final paper work 6 months after the   XXXX   there should n't be any past medical exps the attorneys had it all payed and shut

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Effective   XXXX    , my  Citibank Assist stu dent loan was transferred to  XXXX   XXXX . When I received my   XXXX   statement, my standard monthly payment had increased from {$17.00} with  Citibank to  {$50.00} with  XXXX . on  XX/XX/XXXX   , I inquired with  XXXX  as to why I was seeing such a significant increase in payment. On  X/XX/17   , I finally received an email response from  XXXX  at  XXXX  Customer Service advising me tha t Citibank has a {$ 50.00} payment minimum. At my prior servicer, they allowed payment to be decreased if I had other loans.  Citibank has  instructed  XXXX  to reimplement the {$50.00} minimum payment.     I do not recall receiving any notification regarding this change in business practice. In the past I had  two Citibank student loans, one of  which was sold to  XXXX  some years ago for servicing. I have always maintained payments under {$50.00} on both of these accounts. The  XXXX  loan is the higher payment loan and was not included in this change of servicer so I continue to maintain a {$33.00} payment with them. I feel this change is payment is forcing me to pay off my loa n 4-5x fa ster than the period of time I am allowed to make payment. I understand this practice will pay down principal and in the end I will pay less in interest, however this is a significant change to my payment that I now must budget for along with my federal student loans.     Can you advise if setting a minimum payment requirement such as this is allowed even if my calculated standard monthly payment was significantly less for the past 9 years?

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 2022-08-04
Company: Experian Information Solutions Inc.
State: TN
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, Amount {$670.00} has violated my rights. 

15 US 1681 Section 602 A. States I have the right to privacy. 

Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!

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 2021-12-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Lowes reduced my limit without contacting me. 
Only because I didnt use the card for a month or two. I never made a late payment.

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 2017-03-01
Company: Navient Solutions, LLC.
State: CA
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:
I have student loans with Navient. Instead of trying to get my loans to a payable monthly payment. They put me in forbearance every time I called and the interest keeps accruing making the payments even higher. They are not interested in helping the borrowers at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have inaccurate information showing on my  XXXX  and  XXXX  credit report. Despite my many attempts to resolve it with Navient customer service department and the listed credit bureaus it has yet been resolved.   I n 2014 my loan went into default and this has tarnished my credit and caused me harm. Though I followed the directives of the customer service agent advice which was to put the loans in deferment, which is the advice I followed for years after being told my only two op tion were deferment or consolidate. Forcing me having to pay higher interest rates, being turned down for loans and sufficient employment to take care of my family.   I 'm requesting that all  XXXX  Navient accounts be removed from my credit profile due to the inaccurate information reported continue to cause me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: CAINE & WEINER COMPANY, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Caine & Weiner indicating that I owed an alleged debt. Caine and Weiner obtained my home address in which I never gave this information to them. Caine and Weiner violated numerous consumer laws in the letter they sent to me. I sent Caine & Weiner written notice to cease and desist and an Affidavit containing violations of the FDCPA. Caine & Weiner have yet to honor my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage  with PHH Mortgage Services. We made a payment agreement and I was due to make a payment. However, when I went to make a payment I was locked out of the website payment method, and I was also locked out of the phone payment method. I attempted to call the servicer and left at least two messages with no return call. Something tells me that this business practice is not ok. Why would you lock out people that need to make payments? I am sending a check certified mail ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted Capital  One  Credit Card company to inform them I was an a serious   XXXX   XXXX  t  XX/XX/XXXX  which I was not at fault. As a result of   XXXX   I received severe  XXXX   XXXX   XXXX . Since   XXXX   XXXX   I have been under care of several physcians one being my  XXXX  who have worked continuously to help aid in my recovery. As of   XXXX   XXXX   XXXX   I have gained my memory back and thus have started back full time with my employer. I contacted  Capital one  to bring my account current and was told that  Capital One  would not accept payment and would not reestablish the account which closed according to representative 5 days prior to my calling in on  XXXX / XXXX / XXXX . I have new banking information with my credit union and no longer have any other affiliated banks and thus informed Capital One that Bank  XXXX   XXXX  Account was closed immediately following my car accident but I was not consciously or cognitively aware that any payments to  Capital One  were affiliated with my former Bank  XXXX   XXXX  Account. I explain that I have legal documentation of my  XXXX  now and due to my  XXXX   XXXX   XXXX  was not consciously aware of my daily surroundings or activities. I have the money in my account to pay  Capital one  and would like to have my  XXXX  credit card reestablished. I have documents from both my car accident attorney, neurologist, and my employer that displays my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
KeyBank is taking over XXXX XXXX XXXX. I have a credit card with reward points that do not expire with XXXX XXXX. After the merger, points will expire if not used in 48 months. Details of this are hidden in the terms of contract. I feel that this is an outright theft of funds especially for people that do not read every detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I XXXX XXXX filed a Fair Debt Collection Practices Act ( FDCPA ) protest against XXXX XXXX XXXX ( XXXX ) collection this past XX/XX/XXXX. The debt in dispute pertains to an old Capital One account that was satisfied several years ago through another collection agency in XX/XX/XXXX. Since that time, I have re-established credit and have procured another Capital One credit card. Capital One has already deleted the old account from all of my credit bureaus based upon the 7-year timeline of the Fair Credit Reporting Act. XXXX has acquired information on me through an illegal debt pooling agreement, whereas my information floats to various collection agencies. Just because XXXX sends out validation letters does not validate a collection. Based upon a court decision in XX/XX/XXXX against XXXX called Federal Trade Commission v. XXXX XXXX XXXX, XXXX must show proof of ownership of a debt or proof that Capital One has extended approval on the collection. The attached FDCPA collection letter was explicit on the actual process that is required legally. The FTC case also stipulated that the bebt must be within the legal timeline where it could be collected based upon the sate law guidelines of the consumer 's residency. In essence, XXXX is trying to collect on a debt that has already been eliminated from any legal collection process, and that the legal timeline where the item could be carried on credit from the original creditor has passed. XXXX is in violation of both FCRA and FDCPA regulatory guidelines passed by Congress. Accordingly, this item must be deleted permanently, and my file information must be voided by XXXX. THIS ITEM POSTED IS ILLEGAL!!! <P/>XXXX MUST DELETE ITEM AND PURGE MY INFORMATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My borrower, OCWEN Loan Servicing LLC has repeatedly caused me problems with disbursement of funds from an insurance claim check that I was given for repairs that I have paid for as a result of Hurricane XXXX in XXXX 2016. The XXXX insurance company paid my flood insurance claim within weeks of the loss and as per policy, the {$22000.00} check was written out to me, my wife and the mortgage companies ( OCWEN and XXXX XXXX XXXX ). XXXX XXXX XXXX had an authorized representative in their office endorse the check the day I received it in XXXX. In that time, I had paid a contractor to perform all of the repairs, and had receipts that they were paid in full. 

Numerous times I have called their toll free number and was given different requirements from OCWEN representatives ranging from " All you need to do is send the check and we will endorse it '' to a litany of different requirements. When I sent the check in XXXX, it was sent back, unsigned with a letter attached with a list of requirements as if I was waiting to have access to the funds in order to start the repairs. No phone call to clarify why then sent it back unsigned. In the interim, we were given piecemeal different requirements in order to get access to the funds such as copies of receipts, a XXXX form for the contractors, an affidavit which shows that the contractor could not put a lein on the house, among others ( why this was not specified prior, seems to be unknown ). Finally, once they have all of these documents, they ask for us to endorse the check and send it to them. While unsure of why, this process was not going to proceed without it, we reluctantly signed and sent if off again. 

The next issue that we came upon is that they did not accept the Adjuster 's worksheet which The XXXX hired to document to damage. They said it was invalid since the adjuster did not work for The XXXX. This caused us to contact the insurance agent and The XXXX for a letter stating that they hired the adjuster for this claim. 

They stated that they needed to send an inspector to verify that the work was complete. An inspector came and spent not one minute to verify that the repairs were completed. Another week went by and they claimed that they had received the inspection and that they were sending us the funds. The check arrived today and it was written out to us and the contractor, so we have to go to the contractor to get them to sign it before we can have access to the funds. 

It is unbelievable that this could not be resolved any easier. Should I have not had the resources to pay for the repairs, I would still be waiting for the work to start and be without heat in the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am writing this because I have been having nothing but trouble with the lender,  Navient.  They are EXTREMELY malicious and will NOT stop calling. They call at all hours of the da y INCLUDING while I 'm at  work and have demanded this to stop. I am not employed full-time because I was diagnosed with   XXXX   XXXX   XXXX   last year and almost died. After lodging multiple complaints with the lender and a complaint with the  XXXX , we were promised paperwork for myself and the doctor to fill out describing the severity of this sickness, but the paperwork never showed up. We also know that there are MULTIPLE lawsuits against  Navient abou t their practices and giving false information about individuals loans which led to credit issues with these individuals. NOW they are threatening to report what is going on to the credit bureaus. THIS IS NOT ACCEPTABLE and need some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a horrible experience with my mortgage from BB & T from the start. However, this latest issue has really frustrated me. My intention from the start has been to pay {$1600.00} towards my loan, XXXX a month. My monthly payment is around {$2700.00} and the remainder is to be used to reduce the principle. The reason why I am paying XXXX a month is to reduce the interest that accrues on my loan. After contacting the bank today, I learned that they do not apply my {$1600.00} payment to the balance of my loan until the full monthly payment is received. The money sits in a " suspense account ''. Therefore, I do not pay less interest at all. However, BB & T has my cash that they can use to invest and earn profits for themselves!!! Their customer service told me that their system is not set up to support bi-monthly payments. 
However, on top of all of that, BB & T sold my personal information to multiple organizations. Since closing I have received multiple letters in the mail from different companies offering to help me pay my mortgage and suggesting that I consider making bi-monthly payments because it will reduce my overall lifetime mortgage cost. It is just wrong that BB & T does not offer bi-monthly payments to their customers but will sell your information to other companies offering to do just that! 

This is just a fraction of my issues with BB & T. In addition, they lost my original loan paperwork with all of my personal information on it. To date I have received no follow-up on that issues, so as far as I know it 's still lost. And, I had a horrible experience with my mortgage loan officer who was incompetent and incredibly rude. I would refinance in a heartbeat if it were n't so costly!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Allied International Credit Corp., (US)
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About a week ago, I received a letter from  Allied Int  ernational Credit Corp.with my name, and sent to my pa rents house, not even my address. The letter basically says that their client has tried multiple times to get me to pay this debt and now it is with them.     They say it is from my  XXXX  account. I have n't used  XXXX  in years. the bill is for {$37.00}.     I sent the letter to  XXXX  and they verified that this was a scam.     " The email is a spoof, also known as a " phishing, '' email. ( That 's phishing, as in " fishing '' for personal information. ) It did n't come from  XXXX . Our  Trust & Safety t eam is working to disable any websites it links to. " -  XXXX  email

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into the mortgage forbearance plan that was offered due to covid with the understanding that payments missed would be added to the end of the loan. At the end of the program I was sent a letter asking me to agree to a short sale or a deed-in-lieu of foreclosure. I am not going to agree with either one of those options. If I wanted to lose my home I wouldn't have even bothered with applying for the mortgage forebearance program in the first place. What kind of scam is this? I found this to look like a scam since they were not honoring the mortgage forbearance plan that the government said that they needed to provide. 

I am prepared to make the mortgage payments I used to do before the covid forbearance or better. 

I believe that the actions they are taking are predatory since my home has a good amount of equity. I need some assistance talking to these people to put the loan into a normal status and so they don't take my home from my kids and me. 

Thank you for your help Mr. Cooper Loan # XXXX XXXX

Company response to consumer: Closed with explanation