BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-25
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been working on a Short Sale since XXXX ( See attached Document named " Summary of Events with Citi Mortgage on the Short SaleXX/XX/XXXX '' ). The lender has given excuse after excuse why it has taken so long to evaluate the offer. Their continued inexplicable delays caused the original buyers to walk from the deal after the contract expired ( 180 day ) despite having a complete package the entire time. Immediately, after the other buyers " walked '', we submitted another Cash offer and complete package at the direction of the lender for the same price. It was provided directly to them AND their local counsel ( See Attached ). The Lender performed an appraisal just a few weeks ago ( attached ) that supports our offer price and  assures them they will NET what they desire. 

The Lender and their Counsel have refused to the cancel the sale next week despite continuing to work on the short sale offer, asking for documents they already have and admitting receipt of a complete package. This unfortunately is not surprising since they have continued to push forward with the foreclosure sale despite having an open loss mitigation alternative. They are simply dual tracking this foreclosure case and not acting in good faith. Previously, they failed to cancel the trial despite admitting to be in possession of a complete package/short sale offer for months. This is the definition of DUAL tracking. CITI is simply is trying to drag this out and force foreclosure when a SHORT SALE offer is in their possession which is a cash deal that NETS them exactly how much they require. This is a WIN WIN situation for both parties. There is no reason not to postpone the sale and approve the Short Sale Immediately which benefits all parties. Why are they allowed to move forward with a foreclosure case including a trial and sale when they had a complete package since XXXX ( verified by their counsel on XX/XX/XXXX ). 

Again, They are DUAL TRACKING this foreclosure Case and have been since in inception. PLEASE HELP!!!!

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 2019-02-01
Company: Seterus, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Your response to XXXX indicates that the {$2000.00} was for XXXX and XX/XX/2018 were delinquent! Claiming you did not receive my mortgage for those months. I mailed and faxed to your office in Oregon after receiving the threatening letter to pay {$2000.00} or my loan would accelerate? Of course, no one EVER received any faxes or mail forcing me to pay the {$2000.00}. I have attached my BANK proving AGAIN that XXXX and XX/XX/2018 mortgage were paid ACH! 

I want my {$2000.00} back! NOW this clearly indicates that the mortgage was paid in full {$1100.00} for XXXX and XXXX leaving my account OVER paid with money I borrowed and I want it ALL returned as it is not yours! 

This is not how professionals handle money! I have sent this also to Washington showing them that this account is paid and was paid in FULL when you threatened to accelerate my loan! An Audit on this account would show overpaid! The money you demanded ( that was not owed ) was paid by a cashiers check and I have proof it was cashed! 
IF I do not receive in full I will take this further since nothing is happening this route. 

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 2018-07-25
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 was discharged with chapter XXXX bankruptcy docket # XXXX inXX/XX/XXXX. XXXX, XXXX, Equifax are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told XXXX to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was discharged with chapter XXXX bankruptcy docket # XXXX in XX/XX/XXXX. XXXX, TransUnion, XXXX are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told XXXX to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off my credit report.

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 2023-07-21
Company: Foursight Holding LLC
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Paypal Holdings, Inc
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got scammed by a person posing as XXXX customer service and said they were processing my refund. I called a phone number that came up as XXXX support a looked legitimate. They screen shared and accessed my Venmo account to do some weird transactions through bitcoin. I hen I realized what was going on I hung up and they called back and tried to get information. I hung up and called my bank and froze my accounts. I have since received emails from Venmo saying I owe them money. Some seem like scams while others are legitimate. I called Venmo and they said I have a negative balance with them and the only way I can clear it is to give them my new bank account information. I refuse to give them any financial information as they are not a secure site and I had to close accounts Ive had for decades. I offered a cashiers check and they say the only way I can pay them ( I dont believe I owe them any money ) is by linking my new bank account or getting someone else to fill my Venmo account. Neither of those seem legitimate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Capital One and requested that they provide me proof of the debt by providing me the original contract and they did not. During this time that they said I open the credit card the apartment complex mail boxes were broken into. I never had a credit card with Capital One and they have not provide valid information to prove that this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: DISCOVER BANK
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:
Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. XXXX/XXXX  {$1100.00} DISCOVER FINANCIAL SERVICES {$820.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: Snow and Sauerteig LLP
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My hospital bill from XX/XX/XXXX that I have been made monthly payments on since its origin was turned over to " Snow & Sauerteig, LLP '' on XX/XX/XXXX. I sent them a CEASE & DESIST letter on XX/XX/XXXX explaining that I was settling the debt directly with the hospital and not to make any further communication to me regarding this account. On XX/XX/XXXX after the receipt of my cease & desist letter, without my knowledge or consent, Snow & Sauerteig, LLP filed a " Request for Affidavit Signature and Assignment of Debt '' approved through XXXX XXXX XXXX XXXX on XX/XX/XXXX to transfer my XXXX XXXX debt to themselves. I was never notified of this action by the hospital, court, or law firm until recently via paperwork hanging by rubber band on my front door knob apparently delivered by XXXX County Sheriff Department on XX/XX/XXXX. I also received same paperwork via mail on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Goal Structured Solutions, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They have called me and i told them i do not know of such debt, they have failed to provide enough verification or that they have collected the information via legal means

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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: Their investigation did not fix an error on your report

Complaint:
I was discharged with chapter XXXX bankruptcy docket # XXXX in XX/XX/XXXX. Experian, XXXX, XXXX are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told Experian to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off my credit report.

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 2018-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have included the letters from XXXX XXXX closing my two accounts without reason and charging me {$49.00} each for a total of {$99.00} involuntarily.

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 2017-12-17
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-05-07
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by mail from a debt collection agency named XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX, about a PayPal debt sent to them as a collection. This account was evidently opened using my name and address in 2022, but it was not me that opened it. From the email address that showed on the letter from Pay Pal, it was clearly identify theft. They claim I owe {$420.00} for a purchase I never made, and have sent two letters demanding payment. The first I knew of this issue was after being contacted by the collection agency, PayPal never reached out to me by mail to validate the account or purchase. NOTE, the XXXX XXXX reference number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Capstone Credit & Collection, LLC.
State: FL
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 have called all 3 bureaus numerous times from last year until this morning due to inaccurate information on my reports. They refuse to remove innacurate names and addresses along with collections that dont belong to me and can not be verified, and also say I cant dispute anymore because its been validated but yet I have not received any validation of my debt. 
Collection in amount of {$5200.00}, {$2000.00}, {$4900.00}, {$390.00}, {$4700.00}. I have called each of these debt collectors requesting debt validation and they refuse and then hang up on me. I then tell this to the bureaus and they do nothing. These accounts do not belong to me and I only have ONE name and ONE address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I have been trying to fight erroneous information on my credit report for about 4 months. I am married to XXXX XXXX who submitted a complaint right before this one.

I supplied my drivers 's license and a dispute to all 3 credit bureaus last month, and to date, I haven't received any results!

I can't call them because I don't have a report number which is nonsense, my job 's review is coming up and this information will have me lose my security clearance which will have me lose my job!

There are several addresses where I never lived, and several different names that is not mine. I believe because I am an XXXX there is confusion about my name. I want all my information to be accurate and the company 's seem to be stalling. I will attach all 3 disputes that were submitted, and a copy of my driver 's license.

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 2018-07-25
Company: EQUIFAX, INC.
State: TX
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:
I sent Equifax, XXXX, and XXXX my FTC ID Theft Report # XXXX & # XXXX on XX/XX/2018. I asked by letter accounts XXXX  XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX ( {$460.00} ), and XXXX XXXX XXXX XXXX {$1000.00} be BLOCKED from my credit file under the FCRA section 605B. Talking with a XXXX rep on XX/XX/2018 he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, Equifax, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Experian Information Solutions Inc.
State: TX
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:
I sent XXXX, Experian, and XXXX my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with XXXX ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, XXXX, and Experian received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.

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 2022-01-18
Company: Lockhart, Morris & Montgomery Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lockhart and XXXX XXXX has toppled my XXXX XXXX to the ground with amounts Of debt I couldnt never owe them. And judging by the dates I wasnt in the hospital and let alone received that outstanding debt. This is ridiculous, this is all false on both ends. And I can not build wealth with that type of debt I didnt make of my credit. Its mind blowing. I need to talk to some one to get this situation under control. Or I will take legal actions. I need help getting this off my credit 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 2019-08-12
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019, I agreed to a Forbearance Plan with Ditech to make a portion of my payments due to current financial hardship. Both Ditech and I agreed to a monthly payment plan which is due to end in XX/XX/2019, at which time I will began to make full payments and pay any outstanding balance owed. At the time of establishing the Forbearance, Ditech stated that it would be reported to the credit agency as " Forbereance Plan and Paid to as Agreed. As of today I am current with all agreed to payment arrangements under the Plan. However, Ditech has reported it to the credit agency as " Past Due '' on the balance owed ( minus the Forbearance payments ), as opposed to being in a " Forbearance and Paid to As Agreed ''. 

This past due status has impacted my credit score substantially. On XX/XX/19, Ditech says they are unable to provide me with documentation/material outlining the Forbearance process and how its reported to the credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: TX
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:
I sent Equifax, XXXX, and XXXX my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX  XXXX XXXX XXXX ( {$950.00} ), XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with XXXX ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, Equifax, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 contacted Capital One Auto Finance on XX/XX/2022. I informed them that my credit report shows an auto loan that was previously closed due to being included in a bankruptcy. This account was closed in XXXX due to bankruptcy I received the alert from XXXX XXXX on XX/XX/2022 that the account was reopened and I have past due balance. I spoke to numerous account reps who could not help me, nor provide any information about what happened.

Company response to consumer: Closed with explanation