BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Two weeks ago I called regions bank about some disputes on my checking that I need to dispute, I had to call regions several different times, people failing to do their job, hung up, unprofessional, I had to call and talk to different departments and I had provided information about the disputes, nobody wanted or help and was lie to numerous of times when I called, I have been waiting 30 days so far, I called back in to get help nothing but the run around and excuses, Im fixing to close my account and go somewhere else I want my money back that belongs or me and Im tired of being treated badly by this bank, please resolve this matter

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 2019-02-12
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I tried to purchase this home but was told we needed a co-signer to get a better interest for the home or pay a larger down payment. My mother in law had perfect credit not one blemish. They put the mobile home in her name and me as the co-signer. It suppose to been for one year. They wouldnt take it out of her name after the first year and learning later that we were charged the highest interest rate. We have had ups and downs with payments through life, health and other endeavors. We owe just as much now on the mobile as the beginning over 18 years ago which is contributed to that misleading interest rate on a perfect credit score. We also found out that the insurance over the years were financed in with the note resulting in this high payoff. Our account number as always been the same for the last 18 years. We received this letter with the change of account number as well as a different way to start paying the insurance separately. If this was done in the beginning .... 
with paying the insurance separate, our payoff would be different and it would have dismissed all of that interest. I received an email about an inquiry that I suppose to submitted on some concern or matter but I havent submitted anything to Ditech about a concern. Here is our original contract, a copy of our new account number and insurance payment options and the email suggesting that I inquired about something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This complaint is connected to complaints number XXXX and XXXX. Bank of America refuses to remove a fraudulent charge on my credit card by XXXX XXXX. I never authorized the charge and it was for the next full year of service that I refused to accept. I have sent documentation to Bank of America that clearly shows that I refused the {$490.00} charge on my card for future services. XXXX XXXX sent Bank of America old documentation claiming that the charge was accurate. I am claiming fraud by XXXX XXXX as they billed my credit card without authorization from me for a full year of future service which I clearly did not authorize and in fact refused. 
XXXX XXXX claims that they were listed as my authorized agent on the State of Maryland website which is not true as I filed to have them removed. I have written to the State of Maryland to verify that XXXX XXXX was not listed as my authorized Agent and had been in fact been removed ( see attached documentation ). The State of Maryland has sent me documentation that clearly shows XXXX XXXX is no longer listed as my registered agent and is simply lying. They were removed effective XX/XX/2018. XXXX XXXX continues on with the fraud and Bank of America lets it continue.

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 2018-03-25
Company: JH Portfolio Debt Equities, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a letter dated XX/XX/XXXX from XXXX XXXX XXXX,XXXX XXXX XXXX, XXXX XXXX SC XXXX who represents JH Portfolio Debt Equities , LLC regarding a XXXX XXXX credit card debt I had no knowledge of and that was expired since it was, according to their letter, from XX/XX/XXXX. The letter indicated that " this is an attempt to collect a debit by a debt collector and any information obtained would be used for that purpose ''. I responded as indicated I must do within 30 days to dispute the validity of the debt. Today, I've ordered my free credit reports to see if they have impacted my credit. They also indicated that even if the statute of limitation for suing me to collect the debt may have expired if " the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you ''. This is a scare tactic by this company to try to force me into the payment plan they offered in the letter and, to admit that this debt is my debt so they can reset the timing for the debt in the CREDITOR 's favor and continue their deceptive collection procedures. This is a violation of the Fair Debt Collection Practices Act,15 U.S.C. and these types of collection companies that buy junk debt and threaten the public should be banned from being in operation in the U.S.A.

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 2019-02-12
Company: RFNA, LP
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was lied to summer 2018 by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, about them refinancing a loan to make the interest cheaper and it only made the loan payment higher and interest higher. This was misleading information from the start. On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX placed a new inquiry on my credit report and I did not apply for a loan or give them permission to run my credit. I know this is against the law. 

Prior to XX/XX/2018, I contacted XXXX XXXX and they contacted my references inferring to them with letting them know I owed a loan. I contacted them about the loan and advised them to only contact me and they still made calls to references. I sent them a certified cease and decist letter to everyone but me. I advised them in writing of how I was going to pay them monthly. 

I requested to have added features taken off the loan which was supposed to be removed to bring down the monthly payment to make the loan affordable and they did not remove the fees. I sent them a letter in writing and been sending them at least {$150.00} a month for the loan. They sent a letter as if they were going to take off late fees if I paid monthly and they have not been trying to help with lowering the payments even after they said they were going to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in follow up to a previously filed complaint with the CFBP, complaint # XXXX as well as complaint # XXXX. As noted in the previous complaints, the request to remove PMI was submitted XX/XX/XXXX and all the requirements to remove PMI were met. There was an error in the appraisal that stated the value of the property was significantly less than the actual value and CMC Funding ordered another appraisal at their expense. This delayed the review of the PMI removal request by 5 months, which CMC Funding issued a notice stating PMI was canceled XX/XX/XXXX. This resulted in 5 months of overpayment for a total of {$240.00}. I am requesting that that amount be refunded to me.

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 2021-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I just reached out XXXX XXXX XXXX with the no provided on my credit report XXXX i call that no which give option XXXX spoke to XXXX where she ask me my PII after asking her what this situation is all about I never own a card or get any services for vehicle there i own a XXXX  XXXXfrom XXXX XXXX i could not take my vehicle to service any were only the dealer which is XXXX XXXX she transfer me to the main branch within a next department XXXX spoke to the manager XXXX he ask for my name and Ss he said he have nothing in is system for me my wallet was stolen from my place of business in 2017 it seems all my PII was compromised this is the truth I did not do this and all I am trying to get a loan for my XXXX  I am only getting hard copy because of something I didnt do

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 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Transunion recently to dispute unauthorized inquiries on my credit file. The following inquiries were for mortgage solicitation according to Transunion but they couldn't produce proof of my permission for the following creditors to access my credit file. I also stated that these inquiries were excessive from the same company in a short period of time! Also the remaining mortgage companies would not be contacted if the credo report was used since it includes all three reporting Bureaus. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The following inquiries is unauthorized and not tied to an open accounts are closed accounts on my credit file. 

XXXX XXXXXXXX. XX/XX/XXXX The following accounts dates of inquiry are incorrect and has been changed. The XXXX XXXX was tied to an account when I moved into my current apartment in XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX These are included with the class act lawsuit currently with Transunion!

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 2018-07-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a XXXX dollar secured credit card with XXXX XXXX in XX/XX/2016. In XX/XX/2016 my balance was XXXX I called XXXX XXXX and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.

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 2017-12-01
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In a previously issued complaint, XXXX, XXXX XXXX XXXX only provided information to falsely support 1 loan the collected on. But failed to confirm that they are still illegally garnishing me for 3 more loans. Despite the fact the company they are collecting for, XXXX XXXX XXXX, was ordered to stop all collections. They also did not correctly address how they improperly served me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: BARCLAYS BANK DELAWARE
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
To whom It may concern : I had a XXXX XXXX credit card several years with XXXX XXXX I recieved a mailed brochure on XX/XX/2021 with a phone number to reject changes before XX/XX/2021 with Barclays Bank. 
I called the phone number given by Barclays XXXX on XX/XX/2021 to reject changes. I also called XXXX XXXX  and closed the XXXX credit card account on XX/XX/2021. 
I recieved a XXXX XXXX credit card today XX/XX/2021. This is after I rejected changes with Barclays bank and closing the account with XXXX XXXX 
This account should not have been opened at XXXX or the credit card mailed out by them. 
I want nothing to do with Barclays Bank or XXXX at this point. 
Can someone please figure out why Barclays is opening accounts, when I rejected all changes. Also after the XXXX XXXX credit account was closed on XX/XX/2021. 

Thank you, XXXX XXXX XXXX XXXX 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 2019-09-18
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a negative collection account on my credit report that I was not familiar with. I disputed this account through the three credit bureaus and it came back as verified by the collection agency to the credit bureaus as being accurate. I then sent a faxed letter to the collection agency asking for documentation such as a signed agreement, billing statements, and something showing they had the right to collect the debt on behalf of the original creditor. They responded with a letter showing the balance they are seeking to collect and no supporting documentation that shows I owe this debt and owe it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX reported a debt to all three credit bureaus. Ive reached out to this company along with my attorney to validate the accuracy of this alleged debt with no success. I already satisfied the debt with the Original Creditor as stated on my credit report therefore I am unsure as to what these continued charges are for. I continue to call this company to obtain validation and to get some answers but no one is able to assist me with validating the accuracy of this account nor does anyone from this organization ever call me or my attorney back. The original debt, which again was satisfied with the original creditor, is from 2010 and based on Fair Debt Collection Practices Act this has exceeded the Statute of Limitations. The creditor is also to discontinue all attempts to collect the debt until such time as they provide verification which they have not done. This company is violation due to non compliance and violation of statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company closed this card in XXXX. The wanted to verify some information from me and it could not be verified because they sent information to an address that I no longer live at. There is also a fraud alert on the account so no account should have been open or closed. To properly verify my identity, I went into an actual Victoria Secret to show my ID to open a card the right way since this was not done with the previous account. Now please remove that closed account from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've disputed this debt multiple times with the credit bureaus but these people continue to report on my credit report and when I dispute that they do not own the debt and shouldn't be reporting on my credit report they only respond the debt is valid. The point is they do not have the right to report on my credit report because they do not own the debt. According to XXXX XXXX XXXX they are still the owner of this debt. It has been assigned to an outside collections agency but since they are not the owner, they are not reporting any information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: AES/PHEAA
State: VA
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: Problem with personal statement of dispute

Complaint:
On my XXXX  report my 13 Student Loans between XXXX XXXX XXXX College and XXXX XXXX XXXX XXXX College were Transfered to XXXX  from XXXX. I consolidated my XXXX  loans to XXXX XXXX. XXXX  had them as being collection accounts with a XXXX  balance. I contacted XXXX who said they were never collections accounts and should be marked paid in full. A notice was sent that the dispute investigation was finished and they were marked collections/paid. I disputed that after calling and letting XXXX know. XXXX  said they made their investigation and they were still collection accounts. This is untrue. They are not and never were collections. XXXX  then told me they would only be on my credit report til XX/XX/2021, that is when 7 years was up so I should not worry about it. The XXXX loans are showing 120 days past due and they should be closed. Not only that but they were rehabilitated, but into general forbearance, and had hardship deference on them. All those actions should have taken any past due balance away. I can not reach an XXXX  customer service rep and the only note in all now 26 of these loans on my reports says dispute investigated, consumer not satisfied. This is not how I was counseled during student loan counseling this would work and XXXX/PHEAA never told me the transfer to XXXX. I am tired of fighting these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As a victim of the XXXX  data breach, I placed a fraud alert on my credit report. The fraud alert shows up on the credit report on all 3 credit reporting agencies but it does not show my phone number. 
I tried calling Experian to speak with a live person in order to add my phone number to the fraud alert. However, their telephone menu does not allow this. All it asks is if I want to place a fraud alert, submit documentation. I am frustrated because the fraud alert is already instituted, but not my phone number. 
I am in the process of obtaining a loan and need my phone number added to the fraud alert ASAP before I can speak with a loan officer. 
Filing this complaint is the only recourse I know as CFPB quickly resolves issues affecting consumers.

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 2018-07-09
Company: Professional Debt Mediation, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hired a lawyer and sued XXXX XXXX XXXX XXXX for knowingly and falsely providing false information to PDM to provide to creditor reporting agencies. I provided proof that their information was erroneous and I exhausted every possible effort to resolve the matter with the XXXX XXXX XXXX, before suing them and securing this final judgement ( attached ), from the XXXX XXXX XXXX XXXX of XXXX XXXX, TN, against them. The information they issued to credit agencies against me is erroneous and I am requesting that this information/trade line be immediately removed from credit report/file. *Finally, please file this judgement against the 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 2019-09-18
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, my Credit Rating was decreased by 25 points. I checked the report prepared by this agency and could not find a single change from the report as it existed just prior to this change and the report as it appeared after I was notified that my rating had decreased by 25 point. 

On, XX/XX/XXXX, I called to ascertain why this change occurred and was informed that the agency could not tell me the reason. 

How do I find out what prompted this change and correct the information that apparently led to this event happening?

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 2020-07-24
Company: MONEY SOURCE, INC., THE
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Trying to apply for an XXXX  through XXXX XXXX XXXX, my current mortgage company and they are requesting things that are not required under the XXXX programs for Vetran. Shouldn't financial institutions be required to follow the guidelines set down by VA? In order to be able to offer these type of loan?

Company response to consumer: Closed with explanation