BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My XXXXXXXX XXXX card was cancelled last year as I entered into a debt consolidation plan. I paid off this credit card myself on XX/XX/2022. Out of the blue, they sent me a bill with charges and fees due. I do not owe them anything, I have a XXXX BALANCE, CANCELLED CREDIT CARD that they are trying to bill me for. I do not have the credit card number because all of my cards were cancelled last year, some were paid off by me like this one and others are in a debt program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-08
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I have sent several letters to the three reporting agencies and to AES/PHEAA about this account. I have asked for original paperwork to support the loan. All I have received is a promissory note. I asked for all paperwork with my ID attached. Never received what I asked for. As I periodically checked my credit report, I noticed the account was closed and transferred. I filed my taxes and found out the day that I was to receive my refund that it went to the Department of Education. How can they collect when they closed out the accounts and transferred to what I found out is XXXX XXXX XXXX? I called AES/PHEAA on XX/XX/XXXX and they told me they closed out the loan and transferred to the collection agency. Again, how can they collect on a debt when they no longer own? The lady I spoke with on XX/XX/XXXX told me that a letter was sent to me dated XX/XX/XXXX stating that I had 65 days to take action. I told her that I never received it. She stated she could send me another letter. The lady also stated that she will contact my employer to garnish my wages. I spoke with an attorney and that is not legal in Pennsylvania or Texas. What good will that do? They already took my money and as far as I am concern, the letter comes after my tax refund was taken. The problem is collecting on a debt that they no longer own. If I had received the letter, I would have taken action. I never mess with the IRS or let anyone take my tax refund. And if XXXX owns this loan now, what happened to them contacting me, why does it not show on my credit report? AES/PHEAA should not be able to collect on debts they stated that they no longer own. On my credit report, these items show as closed/transferred. They should not be an exception to the rule when it comes to collecting a debt. They should be held to the same standards as all creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX spoke with one of Select Portfolio Servicing employees at the end of XXXX of XXXX. She and I conversed about the plan the company had came up with for me. she offered me a modification of XXXX payments of XXXX beginning XX/XX/XXXX. I accepted the offer verbually and she also said they will send me something to sign in agreement. I have yet to receive that. I accepted because I need a place to continue to stay. Also in my mind I was saying why has the mortgage payment went up so much? I realize I am very much behind on my payments and I have been trying for years to get to this point so I can get back on track. The lady also said my interest rate was going up to XXXX percent. My normal interest rate was XXXX percent. I was really at a lost for words. I said to myself I did not ask to refinance I asked for a modification to get back on track and put all behind payments on the back end like Select Portfolio Servicing has done in the past. It seems like to me I am being discriminated against because I am behind on my mortgage payments and they are trying or is to make the payment very unaffordable for the 6 months. It also seem as though Select Portfolio Servicing want me to lose the home or move out. I am asking Select Portfolio Servicing can you please keep my mortgage at XXXX and please revise this payment plan so that I can afford it. There are repairs that are needed to the home that I will be seeking homeowners assistance programs for help in concerning these repairs or led me where I can get assistance .Select Porfolio Servicing can you please or will help me in this matter. Thanks so much. My name again is XXXX XXXX Account number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
According to CARES Act and following XX/XX/2020 - Joint Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the COVID-19 Emergency and the CARES Act, I have sent several letters to Freedom Mortgage via email AND Fax, requesting emergency forbearance, based on guides and rules within CARES Act. First letter was sent on XX/XX/2020, with 2 more requests. All of which have been ignored. No calls, no emails, no postal letters. All have been requested within guidelines and specifications, with referenced sections of CARES Act, within letters. 

I am within foreclosure, seeking gainful employment. I had a HUGE hit to my income, and while yes, in default, there is no reason for me to be ignored. When calling Freedom Mortgage, I have been on hold up to 2 hours or call backs, within 4 hours. While I understand the staffing challenges, this is unacceptable and adding to the stress of potentially losing my home. Unable to focus on daughters XXXX XXXX, due to this and can not get any contact with Freedom Mortgage. 

I am submitting complaint, as I believe they are stalling, so as to not have to apply the CARES Act Forbearance, due to time constraints. 

I am asking for Freedom Mortgage to finally acknowledge my attempts since XX/XX/2020, for Forbearance and to apply the 180 days, with acknowledgement that I can and required for additional 180 days, should that be needed. In short, the latest request was sent AND received by their email server and fax, on XX/XX/2020. Freedom is required to provide acknowledgement letter VIA EMAIL ONLY ( due to time constraints ) and provide immediate solution via forbearance and documentation. 

While I sympathize with current climate, staffing issues and volume to calls and requests, the fact that I received NOTHING from them since XX/XX/2020 is unacceptable and punitive. They are stalling, possibly awaiting the expiration date for the CARES Act or some other date. CFPB is to note all and instruct Freedom Mortgage to forward forbearance agreement and documentation Immediately, VIA EMAIL ONLY OR VIA OVERNIGHT CARRIER, for receipt to me no later than XX/XX/2020. 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 2020-05-22
Company: EQUIFAX, INC.
State: CA
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:
My car broke down so yesterday XX/XX/20 I went to the XXXX dealership and they ran my credit to see if I qualified for the auto loan but I was told I was not approved because of three accounts reflecting badly on my credit history. I looked through my credit report myself to see what accounts they were talking and I realized none of those accounts are mine. I never opened them and I didn't give anyone permission to open them in my name. The accounts are from XXXX XXXX, XXXX XXXX XXXX XXXX & US Bankruptcy Court-XXXX XXXX. I am not responsible for any of these accounts nor do I have any type of written/verbal contract with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I AM CERTAIN THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
From my understanding under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX 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 2020-05-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow up to a previous CFPB complaint filed against SPS Servicing. Although they responded they failed to address the issues outlined in the previous complaint. 
1. The forbearance period offered for the COVID hardship is for 3 months. The CARES Act requires a 6 month forbearance. The forbearance plan that I attached again does not include any reference to a 6 month period. That is a violation of the CARES Act.

2. I wholeheartedly disagree with the fact that a balloon payment at the end of three months is not a UDAAP violation as it violates the spirit of the CARES Act and has the actual effect of discouraging borrowers from accepting a forbearance ( this is in the best interests of SPS as they can avoid having to pay the P & I payments while not receiving any payments during forbearance ). I am asking the CFPB to provide a ruling on such action as part of this complaint. There are thousands of similar complaints out there and further guidance from the CFPB would ensure this issue is addressed properly. 
3. A new item I am adding to the complaint is the failure of SPS to send out a monthly written statement. SPS recently purchased the servicing of my loan from XXXX. At no point did I consent to ONLY receiving electronic statements and there is no option on the online account to discontinue such practice. That is a violation of law without the consent of the borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The information that you indicated in my credit report I already demanded a proof of how you dealt with this. Again, you can not prove any of the information mentioned in the past credit report data that I contested with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I paid my mortgage in full in XX/XX/XXXX and under Experian the account still shows open with a {$260000.00} balance it also shows a payment in XX/XX/XXXX from when I opened a dispute through Experian against XXXX  but I have not made a payment since the payoff in XX/XX/XXXX. The XXXX XXXX report shows closed with an outstanding balance of {$260000.00}. The XXXX report shows closed with a {$0.00} balance. When I call XXXX XXXX, also operating as XXXX XXXX, they confirm that the account was paid in full in XX/XX/XXXX and they have closed the account. I have disputed this through the credit agency and I have also called them and tried to get this resolved to no avail.

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 2020-05-22
Company: EQUIFAX, INC.
State: NC
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:
Equifax is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, Equifax reported that 8 different corporate and financial institutions  made a hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with each individual entity as well as with Equifax and they never removed the inquiries. These inquiries and Equifax 's neglect in mitigating the problem significantly and negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hello all, I have disputed a negative remark on my credit report with all 3 major agencies for XXXX XXXX  XXXX. The account number ends in XXXX. 

The inconsistencies center around payment information. They are mismatched on every single report. Some show payments, some say CO, so say no payment and they are all different. 

I know, through you, that if they can not verify then they can not legally report this. All three disputes have come back as verified but nothing has changed and all are inaccurate. Can you 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 non-monetary relief
Consumer complaint received 2018-02-07
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly been called at work by American Express after asking them to stop. Today, XX/XX/2018, they called my work again and my mother 's phone, which has never been provided to them. I was told the same thing I have been told twice before, they would no longer do it again. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is in reference to previous complaint # XXXX. 

We received a response from Bank of America. We are challenging the information in that response. Their response came from XXXX XXXX with the firm XXXX XXXX XXXX. The letter does not state what happened in the beginning. We ONLY sued B of A because they told us in XXXX that the only way to get our name off of the mortgage was to sue them. We have copies of the emails between our attorney & Bank of America that clearly state they were not going to honor our previous agreement. A " Cash for Keys '' settlement was done in XXXX of XXXX. It was our understanding that a Cash for Keys was the same as a deed in lieu of foreclosure. We were told by our attorney that B of A would take over the home 2 weeks after the settlement was done. Bank of America never took title. Bank of America has been paying taxes on the home since XXXX. Why do they do that if they say we own the property. As far as we know, there are no tax liens on the home. 
I ( XXXX ) have been in contact with XXXX XXXX. He has said that a Cash for Keys is not the same as a deed in lieu of foreclosure. We find that very odd because we have many friends who went through the procedure and the bank took title to the homes. He proceeded to say we needed to call XXXX XXXX XXXX XXXX because he only deals with California, not Nevada. Why, then, was he the one who responded to our first complaint. Once again, we are getting the run around from the bank. 
We have contacted XXXX XXXX with the XXXX XXXX XXXX in Nevada per your suggestion on XX/XX/XXXX. He is trying to arrange mediation with Bank of America.

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 2021-01-29
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Last XXXX I realized there was XXXX dollars spent in my credit card from XXXX XXXX. I reported it. The charges were from XXXX -XXXX. I have attempted multiple times to have the case reopened with my work records and credit card statement and many other documents proving I wasnt even in the state the card was used. I have a police report where I live and in the city it was used in. There has been no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid through XXXX XXXX. I have spoken with wakefield and associates on numerous occasions. I have also provided supporting documentation.

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 2019-10-22
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In reference to XXXX with Consumer Finance Protection Bureau.  Ditech had not only lost our two payments, but has finally found them at the conclusion of the above complaint number. They had said they would apply the funds and fix any late charges due to their losing our payments. After going on their website at the conclusion to the above number, I found that they had not applied any of the funds and still showed us as being late for a payment that they had lost last year that took three plus months to resolve. After sending them a comment on this on their website, they applied the funds. They then sent us a letter stating that we owed {$7.00} dollars and some change for a late charge from this past fiasco in XXXX and XXXX. I am not paying any late charge because they lost our payments, and they had said that they would take care of the late charges. This is harassment! Now, they have reported us to the credit bureau for " Being Late. '' This is ridiculous! I am tired of their tactics, I waste hours of my day trying to call them and staying on hold to end up with a person that can't do anything other than say they will look into it and meantime I continue to get letters from them threatening to take our house and so on. I believe this borders on being personal. I have never had this problem with any mortgage company that I have dealt with before. It is their own ineptitude, that is causing these issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX XXXX is incorrectly reporting missed payments, contrary to the Cares Act, passed in response to Covid-19. My credit score has dropped drastically, at no fault of my own, effecting my ability to conduct business during a pandemic.

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 2020-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am trying to resolve a name error on my XXXX 1099-INT form. I have a Spark Business checking & savings account as well as a personal ( 360 ) checking & savings account with Capital One. The business account is a single member LLC which is a disregarded entity for tax purposes ( uses the owner 's name and SSN for tax purposes ). Somehow, the 1099 was issued with the business name and my social security number. This creates a problem because that SSN is for me and not the business. It will create a name/SSN mismatch with the IRS. This erroneous 1099 with the business name & my SSN covers both my personal and business accounts. I have tried unsuccessfully to resolve the issue with both Capital One 360 ( personal ) and Spark Business. 

This complaint was originally submitted on XX/XX/XXXX. I received a reply from XXXX at Capital One onXX/XX/XXXX stating the 1099 name error had been corrected and a new 1099 form would be sent on XX/XX/XXXX. The error has NOT been corrected and a new 1099 was NOT issued. I have been unable to reach XXXX at Capital One after leaving a voicemail on XX/XX/XXXX.

Company response to consumer: Closed with explanation