BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought a below market rate home last XXXX XXXX XXXX ). At that time my mortgage payment was set at {$2300.00} a month. In XXXX XXXX, my mortgage company ( Dovenmuehle ) raised my monthly payment to {$2900.00}. The extra {$590.00} was to make sure I had enough $ $ in escrow to cover my property taxes. After some checking on my part, i found that my property was assessed at it 's market value not what I purchased it for. The difference was {$30000.00} plus. I spoke with my mortgage company and the XXXX tax assessor and my property was reassessed 4 months ago. I 've sent my mortgage company the required documents ... twice. The last time I sent the documents, I sent them registered mail with a signature required. This was on XXXX XXXX, and as of today XXXX XXXX XXXX, I have not heard from them and they are not willing to lower my mortgage payment. In fact when I asked what would happen to the extra {$590.00} a month I was putting into escrow ... would I be reimbursed or what? The person I spoke with had no idea what would happen AND no idea when I might be able to resolve this issue. 
HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
THIS IS A NEW COMPLAINT WITH NEW INFORMATION! Please review the updated information so that Discover is required to respect the law. In 2009, I moved to XXXX. I have lived here in XXXX XXXX, XXXX for the past 6 years. Discover keeps reporting an account to my credit with a balance that is collectible with out verifying I did guarantee it or when the last payment received. They claim I have lived places with out documentation. They still attempt to collect a debt now acknowledging it is out of the statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RE : Rent Recovery XXXX XXXX XXXX XXXX Account No XXXX I have never paid late. The amount due is in error and does not take into account the more than {$1000.00} they received from me that I never got credit for, OR the {$400.00} deposit that was not returned to me. 

This amount is due TO me, not to them, for making excessive and extraneous errors in their bookkeeping systems. 

The credit bureau report claims of Rent Recovery, XXXX XXXX, and XXXX XXXX are fraudulent and should be removed from my credit report immediately. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Also, XXXX XXXX no longer exists and there is no XXXX XXXX that is a legal entity in the state of Georgia at this time. These companies no longer exist and there is no money due to defunct companies that ceased to operate due to illegal collections and mismanagement of funds. 

I have documents proving this as fact and can present them on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Lionstone Holdings Group
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Got call/voicemail from " legal courier '' XXXX XXXX from protected number who stated that he will be delivering legal papers to my home address on Firday and to make sure that I am available. This papers are filed against me in case with my SSN and provided me with reference number ( XXXX ). He also said that I need to contact issuing office at XXXX with any questions. Same voice mail message was left at my parents home phone number and I never listed that number as my phone number. I called given number and it was anwered by XXXX XXXX from Lion Stone Holding LLC who state that they filed case agains me for debt of {$1400.00} and if I do not pay it immediatelly I will be subject to legal case and possible arrest. I end up paying XXXX i have copy of " receipt '' as well as voicemail message available for further reference. After doing some research no " legal courier '' XXXX XXXX exist. I beleive it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Automotive Services Finance, Inc.
State: AE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a vehicle loan with Automotive Services. I am XXXX XXXX military. I received orders to XXXX. Once I saw that was happening I informed Automotive Services of my upcoming move and that I could not take this vehicle with me. I informed them also of the Service Member Civil Relief Act and they said they did not honor that. So my options were pay for a car for XXXX years that I would n't be able to see or drive or turn it in. I tried to resolve it in a civil manner and they kept telling me they would not honor that Service Member Civil Relief Act and that I would have a repossession on my account if I willingly or unwillingly gave the car up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a been working on this file since XXXX/XXXX/15 as a short sale there was an appraisal that was done via Rushmore bank and there was an offer to meet the min net per the appraisal. Rushmore denied the offer and stated that they will only allow a DIL as the payoff is XXXX however the unpaid principle balance is XXXX. We have tried to reach out to the investor on the loan and have had no response except to call Rushmore. Please help us to get this bank to allow a short sale. I feel like they are setting us up to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX Citi Bank/CBNA pulled a credit report for a credit card from XXXX. The next day on XX/XX/XXXX they pulled my credit again from XXXX for the same application. I have made several attempts to get this resolved and have had no correspondence subsequent to inquiring about it. I am attaching my reports and highlighting the inquiries for proof.

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 2015-11-23
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased an IPod from XXXX online. While the transaction went through, I tracked my order on line after I got a message that read order cancelled. I contacted Ace/elite Net spend and a Customer representative informed me that the " money was still there '' but had been frozen after a few days of the transaction and referred me back to XXXX. When I contacted XXXX they reported they could not 'pull their money. Again XXXX asked me to go back to Ace/Elite Netspend and a Clerk advised me to get back to XXXX and requests XXXX makes a Request in Writing!!! XXXX this time, I felt Netspend is playing games with my money and I request my money, but I am being shuffled around. 
I am demanding my funds effectively immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last week we settled a debt with the law firm, XXXX , XXXX XXXX XXXX XXXX, XXXX. They represented Huntington Bank in a repossession of a car. They told us we had to pay a minimum of {$2000.00} to get the hold taken off of the bank account I have with my husband. We paid {$7000.00} and they were willing to call the debt paid since that was the bulk of the debt. They told us all holds would be taken off and they would handle the legal work. We asked for documentation that the debt had been paid and that we would n't be bothered by them again. It has been a week later and the hold on our bank account has not been taken off and we have received no documentation that the debt has been paid. We want this finished. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been faithfully been paying {$220.00} toward my private student loan of {$35000.00} and Navient turned around called me today and increased my payment to {$480.00}. I asked them about doing some type of repayment plan with a less amount for a longer period and they said it was nothing they could do about it. I am a single mother of XXXX children ( XXXX ) which I can hardly buy food or pay rent in the XXXX bedroom aprtment we live in now. I am a XXXX and work night shifts and it is affecting my health, rushing home to get my children up, fed and ready for school. I ca n't even go over homework with them and they fall behind due to my schedule trying to make money to pay back all this school debt which is {$150000.00}. I need help and nobody can seem to provide relief for me. It 's not fair to my children that I can not be there for them. I went to XXXX University and graduated and successfully have a career in XXXX as an XXXX but XXXX knows if I could pay all this school loan debt I would but this is taxing on my life, my children, and my health. I need HELP! If you can provide me with help or someone to contact please call me XXXX I ca n't take this anymore. My Aunt cosigned for me to get this loan so that I could continue my education to become a XXXX and I do n't want to let her down by going in default. Please, please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All three credit reporting agencies have come up with a scam to defeat the intent of Congress. We have a right to have information more than 7 years old taken off the report, but they now penalize and will not give you a good credit rating if you have had credit only 7 years. They reduce your score by at least 50 to 75 points, continuing to penalize you, disregarding the intent of Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Naivent representatives are repeatedly calling my sister, mother and other family members requesting information about me and asking them to call them back.

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:
Navient demanded payments on loans while in deferment status, while in school, and recently consolidated all plus loans 8 months before agreed upon date. Now am being billed XXXX/month regardless of income based repayment agreement. This has damaged my credit score stopping me from obtaining additional XXXX loans needed to finish last year of XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient has ignored or failed to respond to multiple requests for IBR income reevaluation. I changed jobs and my income decreased dramatically, and Navient has yet to respond to any of my form submissions sent both via fax and their online website. Documentation of income was sent in XXXX forms, as a copy of my paycheck and a letter from my employer documenting my hourly wage. I can not afford to pay the amount they are asking on my wage!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have a loan that was formerly serviced by XXXX XXXX, and is now being serviced by Navient. XXXX XXXX allowed me to access my loan details, which included principal balance, accrued interest, interest rate and type, and monthly payment amount. This monthly payment amount was periodically reduced to reflect my excess loan payments ( I assume ), so that information helped me to adjust my payments when I wanted. Navient, however, has changed their website and decided that my monthly payment due is n't information that 's important for me to have. Additionally, I used to be able to view statements online. Navient has decided that monthly statements are superfluous, and are also not needed by borrowers. So I 'm basically paying for a loan and tracking the balance myself, while Navient withholds information and will probably show a balance that 's higher than what I have in my records. Did I mention that the only information that is currently available about my loan is the principal balance, interest accrued, and past payments? I do n't know why private student loans are even still legal in this country, but this is XXXX ridiculous. If you guys at the CFPB have any power, the least you could do is stop allowing these predators to withhold information from us and prohibit interest rate increases on loans. I 've made consistent and SUBSTANTIAL payments on all of my loans for the past 5 years, and I should n't have to deal with this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
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:
Experian fails to indemify identity theft accounts by placing a block on those accounts in accordance to the FCRA section 605 ( b )

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 2015-09-02
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We accidentally missed a payment in XXXX. We are approx. XXXX dollars past due as of XXXX payment. When we got a reminder in the mail and were unsure of the reason we called them to verify, discovered our mistake, confirmed the amount and said we would make good on the past due portion during our regular XXXX Payment which we then set up with the bank to go out on XXXX XXXX. However, since our self initiated call, we have received XXXX calls daily from Navient, trying to collect this past due payment. We have explained ourselves repeatedly and asked the calls be stopped. XXXX we were told the calls would stop for five days and they would put a note in the system. This has not happened. The calls have continued at a rate of XXXX times daily. We feel harassed, we are losing valuable time on the phone in repeated explanations and we have told them to stop or we would file a complaint. They have not stopped. This is our complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, INC.
State: CA
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 recently pulled my credit report from XXXX and noticed many accounts listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX multiple times and the results of the investigation have always came back as " verified ''. I did not have an account with any of these creditors during this time period. 
Since I have disputed the account with the credit bureau, and they have verified them, I would like to see what sort of records they have for these alleged accounts. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter.
In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with these companies. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in reporting accurate information on my credit report. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period.
To avoid a lawsuit, I request that you remove the accounts from my credit report. Please delete these listing or I will be forced to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
When I call I advise the representative that I give my mother permission to talk on my behalf they told me that I can not do that and then the payment plan that they want to put me on I can not afford that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I tried to resolve a late payment issue with the customer service representative, XXXX and she was unwilling to listen to my problem and only wanted the fee. As I explained I have never been late, always paid in advance but I recently asked to get a new number because I thought my card may have been compromised. I stated that I was on vacation and that I ca n't tell what happened to the scheduled payment as the old account was closed. I informed XXXX that I would pay off the account in full today but please waive the late charges. She refused and stated she did n't have the authority. I asked to speak with her supervisor, which I left s message to call me back. Of course, the supervisor did not call me back. As a result of my poor experience, I cancelled my card and paid in full. Still no call from a supervisor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My complaint is toward Bank of America. 
My friend ( XXXX ) and I ( XXXX ) are buying an investment property. My friend works as an XXXX XXXX for a XXXX company in XXXX XXXX being paid in XXXX dollars. He is over there on a short tem contract. He is not scheduled to be back in the XXXX until the beginning of XXXX when his contract is up. 
XXXX executed a Power of Attorney that gave me the right to sign on his behalf for the investment property purchase. The Power of Attorney was signed and notarized at the XXXX XXXX in XXXX XXXX by a XXXX notary. I was just told by a BoA representative that they will not accept the POA because it was signed outside of the XXXX. 
This makes no sense to me as this is the point of a POA and one of the reasons for a XXXX XXXX 's existence. In addition to the fact that an XXXX is a sovereign state and is considered XXXX soil. I escalated it with Bank of America and they requested an exception to allow the POA which was declined. They advised me of the POA decline on Thursday XXXX/XXXX/2017. We are scheduled to close on Friday XXXX/XXXX/2017. 
I feel they are discriminating against a XXXX citizen who is working abroad. The POA was completed in accordance with XXXX and local law as it has been accepted by the title company who is insuring a clean and clear title.

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 2017-01-21
Company: Fidelity National Financial, Inc
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are currently buying a home - scheduled to close XX/XX/2017. Someone falsified the Title Company ( XXXX XXXX ) email requesting a wire transfer and sent us an amount {$100000.00} and bank information for the closing cost. I initiated the wire based on this email. It was discovered today XX/XX/2017 after business house that the email we received was fraudulent. The funds have been wired from our account and no one is available at the title company or the bank fraud department until Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Lender refused to issue Loan Estimate until I locked in an interest rate. Mortgage application was made on XXXX/XXXX/2015, I requested the Loan Estimate XXXX times. As of XXXX/XXXX/2015 I still have not received the Loan Estimate. Loan Officer stated that I will receive the Loan Estimate only after I agree to lock-in an interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief