BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-18
Company: Alessi & Koenig, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of 2012, my house was sold out from under me by Alessi & Koenig Collection agency for XXXX in an HOA foreclosure.. This was done in violation of the FDCPA and against my constitutional rights. I had already made a payment arrangement with this company ( they had added on over {$2000.00} in additional fees for a debt that was originally around {$380.00} ) and remained in communication with them. I was also a few days away from a short sale approval on the property. They sold the property anyway ; leaving me with a mortgage of {$230000.00} for which I receive a statement every month. With no final communication apprising me of the actual date, the property was sold at an auction held in their offices with no recourse left to me. The home has been rented out for over three years and the assessments to the HOA are still not being paid, which was the reason they claimed the right to the house in the first place. I have attached emails with written confirmation of the payment arrangement I made with XXXX XXXX XXXX, who I was working with. I found out later that she had left the company in the interim and no one else would ever answer my calls.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-17
Company: Navient Solutions, LLC.
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 XX/XX/2023 I received a notification from XXXX that a new account was added to my credit profile by Novient ( private student loan ) account last 4 digits showing as XXXX for {$140000.00}. I immediately contacted XXXX about the new account and I advised the XXXX representative that was not my account and that account was a fraudulent account. XXXX advised me that they could not dispute the fraudulent account however they created an escalation case to determine how and why the account was placed on my credit file. That escalation case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Mutual Financial Partners
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Mutual Financial Partners XXXX XXXX XXXX will not provide me with any information regarding the debt. I have asked for written proof, but they will not provide it. I received a call from a " locator '' asking me to verify my address to " deliver documents ''. I was originally told that they are called " XXXX '' out of XXXX XXXX. After some research, I found out otherwise.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-29
Company: GFS II, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
*Total Sale Price* The total cost of your purchase on credit, including your down payment of {$1200.00} added to XXXX is XXXX my down payment was not deducted from my total amount my down payment was not a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: U.S. BANCORP
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX  application for the XXXX  loan was denied but from XXXX  understanding in the federal reserve act section XXXX ( issue notes ) u.s bank received the XXXX  for their bank that was on XXXX XXXX but XXXX  didn't receive anything in return. Instead XXXX  was denied the loan because of a low XXXX XXXX and excessive debt utilization. After reading XXXX  codes that's not a reason to be denied. I only asked to retract XXXX  XXXX  because I don't want the bank taking out from XXXX  estate and leaving XXXX  with nothing in return

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 2023-08-11
Company: EQUIFAX, INC.
State: TX
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: NAM National Arbitration and Mediation
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call from a process server to call a XXXX number due to small claim matter called and was advised for a bill from 2010 asked for copy of statement never received. Got anothet call 2 weeks later regarding debt and advised same thing they faxed me a statement saying adr group is who i owe asked for validation They informed me they would see me in court.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
So this all started on the XX/XX/2018 and that's about the time they sent me several letters they had called me several times but never left a message to let me know that it was them I think that was to do with the law or something but the whole matter is that the day of the court case which was of XX/XX/2018 when that was filed well we had made arrangements before it had to go to court like it did and I had been trying my best to she thought in contact with them and we came up with paying {$30.00} each week I was doing that and this process I get another thing saying that the court case was still happening to my knowledge I was told that it wasn't going to happen I called them I asked them about this they said do not worry about this they said in this case you do not have to go to court because we've already made payment arrangements on this and you have been paying at this time like you should so I've been paying and then I get another one a week later from the first one that I got stating that now to court case has gone through seeing how I did not show up that I lost the case I was told by these people that I did not have to show up to the case because everything was taken care of they lied to me about this in the end they are garnishing my wages which whatever the whole thing is that they tacked an the whole thing is that they tacked an extra {$450.00} on what I already owed them after I just paid off {$550.00} but they had already been paid out is a $ {$1400.00} bill so with that I just found this page and read everything and saw that oh my God they can't do this so that's why I'm getting a hold of you please look into this case XXXX XXXX XXXX is the attorneys that filed this through a place called Portfolio Recovery XXXX XXXX is who had the debt at the time the original debt comes from MasterCard credit card something that happened 7 or 8  years ago I'm not sure but there's one thing that I know is that they lying to me about this and now that I see that they can't get away with that that it isn't law that they can not lie to you which I did not know I thought they could do whatever the XXXX they want if you owed something somebody II do anything they want I did not know that there were stipulations on this so that's why it took me so long to get a hold of somebody

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Late payments are illegal according to 15 usc 1681 a ( 2 ) ( 1 ) under exclusions.

15 usc 1681aDefintions ; rules of constructions ( 2 ) ExclusionsExcept as provided in paragraph ( 3 ), the termconsumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 usc 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed to the consumer no later than 21 days before the payments due date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also Experian took more than 30days to complete my investigation. 

I sent Experian my request to investigate XXXX XXXX XXXX Account number XXXX I mailed the request XX/XX/2023 which they received XX/XX/2023, tracking number ; XXXX. 30days has passed and Experian has not notified me of any investigation results. 

This is a violation. This is impacting me from moving forward to buy a car for my growing family. I attached my credit report which shows the credit bureau reporting incorrect date open. Incorrect last date reported. Incorrect last date active.

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 2017-04-02
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
As you are aware, FedLoan Servicing, the plan administrator for the debt forgiveness program created in XX/XX/XXXX, may not be honoring its commitment to forgive student loan debt after 10 years of ( employer certified ) public or nonprofit employment - just as the 10 year requirement has been met by borrowers. The Department of Education has suggested that " borrowers could not rely on the program 's administrator, FedLoan Servicing to say accurately whether they qualify for debt forgiveness. '' The article goes on to say that thousands of approval letters sent by FedLoan Servicing are not binding and can be rescinded at any time. Neither FedLoan servicing nor the Department of Education is offering any explanation, according to an article in the XXXX business section dated XX/XX/XXXX. 
My concern is heightened by the Trump 's administration 's desire to abolish the CFPB, leaving borrowers without any recourse or protection. 
I am equally concerned that the Income Based Repayment ( IBR ) program will be discontinued. As an enrollee in the IBR program and an employee of a XXXX, my monthly payment was reduced from {$740.00} to {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: IL
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 am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX shows a false credit issue via XXXX in XXXX, MS . I will attach supporting documents for this claim, as it has been dragging on, intentionally by XXXX/National Credit Systems/XXXX/XXXX. I request they delete Acct # XXXX from my records immediately. The debt is incorrect! I gave a timely 30-day to notice to vacate ( and left the place SPOTLESS ), however, my records should not be tarnished due for their lack of sufficient Administrative help, since they did n't acknowledge receipt in a timely manner. I have been working on this for almost 6-months, providing as much documentation as I can to get this resolved. This has caused tremendous stress and I may now have to seek legal council ( which will cost more money ) for assistance, and if so, I will request reimbursement for legal costs incurred. This is a scam on the part of all parties involved and the XXXX of it all has caused me to miss work. This is a very important matter, that I do not owe and they had the audacity to send a " 50 % Debt Reduction Offer '', as a resolution. I DO NOT OWE THIS and this incorrect item has caused me to be denied residency. This is a false claim and very unprofessional of all parties to have allowed this incorrect issue to linger. Please correct ASAP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Screening Reports Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have never been evicted. The report done by Screening Reports shows XXXX eviction notices. XXXX notices are the result of the rental company filing paper work too quick and not giving me a chance to take care of things. The XXXX from XX/XX/XXXX was quickly rectified, we never went to court. The XXXX from XX/XX/XXXX was a mistake. I gave the landlord written notice of my intentions and the next day I received confirmation of this information. I left when I said I would. Several days later I received a intent to evict. I called the landlord and they said they would take care of it. If they would of taken care of it there would be NO record on my report. I explained this to Screening Reports. They told me, " there was nothing I could do about it and it would be there for XXXX years. This is not fair. I was never evicted. I fell behind XXXX and now I am unable to find a place for my son and myself to live.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-02
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a dept letter saying that I owe for XXXX  account I don't have. The letter from XXXXTransworld systems inc . 
XXXX account # XXXX Date XX/XX/2023 reference/account # 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 explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I contacted XXXX in earlier XXXX after became aware of some inconsistencies in my XXXX account in late XXXX XXXX. I had just returned to the US after a 3 years tour in XXXX and was trying to reactivate my insurance to full coverage for my vehicle which was still in storage at that. I needed change my insurance to full coverage because otherwise I had to $ 120.00/Wk for my rental car anyway after multiple calls and bounce back and forth between numerous department regarding and {$8000.00} on my accounts, I finally gave up and decided to contact them back after the XXXX weekend and went ahead and bought insurance from another XXXX. Fast forward to XXXX XXXX, Between the Holidays, transitioning and all the training I had to go, I kind of forget about XXXX until I attend a class in XXXX when I was reminded of the free annual credit report and given a code to check my fico score. After I became aware of multiple discrepancies on my credit files, I contacted XXXX and the companies in question requesting information to assist me in addressing the fraudulent and or erroneous transactions. I finally received a response from XXXX in which its representative XXXX XXXX declined to investigate because I did not provide them with sufficient information. Unfortunately I do n't have any additional information, because I did not open the account, and have verified with my wife whom has vehemently denied opening the fraudulent account. XXXX is one of the best company out there and very military friendly which is the reason I am very surprise by their response. I can not protect myself and get police involved if necessary unless XXXX provide me with the requested info. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 usc 1681 section 602 state i have the right to privacy.

15 usc 1681 section 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 usc 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late & having no knowledge of that company or creditor by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 XXXX XXXX I applied for lot 7 property at XXXX XXXX new construction site located at XXXX XXXX XXXX, CA XXXX. I was told by the on site agent XXXX  I could not apply for the property at that time due to the builder didn't give the agents a price for lot number 7.  Finally after 5 days my agent XXXX called me and said they had a price from the builder, and me too call XXXX XXXX at XXXX XXXX I called XXXX XXXX, and informed him I had a VA approved loan ready for pay out. XXXX informed me I could not use the XXXX loan I had to apply at XXXX XXXX XXXXnd be approved by him. Below is a copy of the email XXXX sent me after I applied at XXXX XXXX Mr. XXXX asked for documentation for one year of payments auto ins, life ins, XXXX, XXXX XXXX XXXX, Cell phone, internet and Cable. I feel this was harassment because I submitted a year of bank statements with all of those payments reflected on my bank statements. The loan officers at XXXX were smarter, they didn't have any problem interpreting my bank statements for a year. 

COPY OF EMAIL XX/XX/2020 Thanks for downloading the XXXX XXXX app. Now you have the mortgage process in your hands! 
Be sure to check out everything that will make your loan easier. You dont have to get stuck waiting to figure out what you can afford, just use the mortgage calculator to check out your loan options. Your loan process wont be stuck in the stone age either. When were ready to start working on documents, you have an easy-to-use scanner tool in the app so you dont have to scramble for a fax machine or printer, or driving documents across town. Ive also added links and other tools to make your part easy. 
If youre the type of person that would rather do all this stuff on your computer, just go to, https : XXXX and remember to use XXXX to sign in. 
Were here for you! Reach out anytime. 
XXXX XXXX XXXX XXXX ) XXXX XXXX American Pacific Mortgage Corporation On XX/XX/2020 I received a credit denial with one check mark in the credit section for delinquent credit obligations. XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2023-12-02
Company: Paypal Holdings, Inc
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received an email notification that my PayPal account is allowed to withdraw funds, but I am unable to complete the process of link new bank for withdrawals, and I have contacted the customer service representative by phone several times, but the problem has not been resolved, please help me, thank you! 
Attachment contains a notice of permitted withdrawals from PayPal.

Company response to consumer: Closed with explanation