BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-23
Company: Stearns Ventures, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need a response regarding the refund of PMI that I overpaid to the lender, as well as an explanation for the {$13.00} PMI refund check I'm holding. 

When I was online back in mid-XX/XX/XXXX, I logged into Stearns website to view my mortgage payment. I was shocked to see {$1200.00} was owed, considering my previous loan payments to my lender have been just over {$1000.00}. I then called Stearns ' customer service line on XX/XX/18 and spoke to them for over an hour. 

On my XXXX call, we discovered the following : My interior annual home insurance of {$310.00} was paid from Stearns to XXXX TWICE on my behalf. Stearns XXXX  this up and never informed me about it. As a result, I had XXXX send me a second check for {$310.00} ( they previously refunded me, but the check was either lost or inadvertently discarded ). This has since been corrected, to my inconvenience. Just wanted to illustrate how poor Stearns ' customer service is in contacting their customers to explain their errors. 

Second, the payment increase was due to my estimated taxes spiking up about {$1000.00} annually- I am not disputing the escrow increase for this. 

The third item is what I'm looking to resolve- I had asked the service rep, XXXX whether my PMI was no longer necessary as I had paid down 20 % of my property value. She confirmed that it did ( a number of months previously if I recall ), and recommended I sent the escrow team an email, asking them to investigate when my PMI expired, refunding me for any PMI overpaid. I sent this email to customer service that same day XX/XX/XXXX. I received an auto email stating that my message was received. Stearns never replied to this email. On XX/XX/XXXX, I received a " PMI Refund '' check for {$13.00} from Stearns. They did not provide any explanation how this refund was calculated. Also, since this refund represents about XXXX of my previous monthly PMI paid, I am skeptical that this refund is accurate. 

I have since sent Stearns follow up requests XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting clarity on how my {$13.00} refund check is caclulated. During this whole period, I only received one customer service response on XX/XX/XXXX, stating that they were forwarding my PMI request to the mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Ally is my investor, and I have been attempting to complete a loan modification with my service provider XXXX for over a year. They sent me a loan modification approval but each time I called they never acknowledged it until I sent a compliant to both XXXX and Ally. I was then provided the loan modification trial period which normally is a three month period and I paid for 6 months because they would not send me my final Loan Modification to sign. After I contacted XXXX corporate they then paid attention and sent out my final loan documents for signature In XX/XX/2018. I called XXXX, reviewed the terms, especially the amount forgiven with the HELOC department manager, XXXX XXXX and told him that I would sign the documents and return them. For four ( 4 ) months I called XXXX because their system did not reflect the new terms. I was always given the same answer " we are working on it. '' I finally filed a complaint with the OCC on XX/XX/2018 and was contacted by XXXX XXXX. They have taken from XXXX-XX/XX/2018 to " work on loan update '' and then on Thursday after speaking with XXXX XXXX she informed me that " new '' loan modifications were sent out to me and that she wasn't sure but my forgiven amount was not forgiven and now deferred. She did not understand but when I received them that I should call her with question after I reviewed them. There was no explanation attached but a due date to return the signed documents. I have already signed my loan modification papers and returned them with other terms. 

XXXX has been unprofessional in handling my loan. There has not been an error in my part and have signed my final loan modification papers. 
I am attaching : 1 ) Complaint with OCC 2 ) XXXX Loan Modifications papers signed 3 ) XXXX Loan Modification papers just received ( I highlighted the additional deferred text )

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 2023-05-15
Company: Rent Recovery Solutions
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
noticed that I have collection on my credit reports. I contacted the collection agency to validate debt as I have no knowledge of the debt. I requested debt validation, the agency sent me a statement listing move out charges. This is not debt validation. I requested a copy of contract. Sent letter vis USPS Certified mail. Company has refused to validate debt. I'm requesting this debt be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2018-07-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Following is a copy of an email I submitted to Navient 's Office of the Customer Advocate on XX/XX/2018, to which the company never responded. The same problem is happening again tonight, XX/XX/2018. Nothing has been resolved. 

" Dear Navient : Every single month, I am unable to sign in to make my payment. Every single month, you tell me that I have two more attempts and then one more attempt and then my account will be blocked. Every. Single. Month. Even though the information has not changed. 

What is the problem at Navient 's end that prevents the sign-in from working? 

I hope you will fix this. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This Bankruptcy is not mine!! I've never filed for Bankruptcy!! please remove!

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 2019-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The problems started on XXXX XXXX with XXXX, XXXX XXXX XXXX XXXX, XXXX, UT XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, CT XXXX made a hard inquiry on my credit report. I have never used or heard of XXXX XXXX. 

On XX/XX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

These hard inquiries have adversely affected my credit score, which I would like to have corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Portage Financial Services Company Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The final payment was made on XXXX/XXXX/XXXX for a car that was financed thru XXXX XXXX XXXX. I received confirmation from the automated system that the XXXX payment was accepted. I received not only the confirmation from the automated system, a passtime code was also sent to the vehicle, confirming that XXXX received the final payment. I contacted the company a few days after making my payment to inquire about the release of the title. I was told by the XXXX XXXX XXXX that the she would contact me once the title was at the dealer. On XXXX, I received a call from XXXX XXXX stating that the payment was returned from my bank for nonsufficient funds. I knew this was untrue so I requested a copy of the written statement from the receiving bank detailing why the payment was returned. I have yet to receive the information. I 've been provided with information coming directly from the XXXX system showing they returned the payment but will not provide details as to why. I also know that the funds cleared the bank because the confirmation number was provided. If the payment was not successful, I need to understand why the automated payment system used by XXXX is sending false confirmations of payments to its consumers. XXXX XXXX is forcing me to repay the debt and refuses to honor the terms of the note. The vehicle was XXXX while I was at work. I was unable to travel in my property to my destinations including picking up my family from their daily routines. I would like XXXX XXXX to honor the contractual obligation and release my property or provide me the written statement from the receiving bank detailing why the payment was returned. I have yet to hear from my bank regarding any discrepancies. XXXX is rude and very disrespectful. I had to start recording the conversation with her to get her to act accordingly. I am being forced to pay another {$1000.00} to satisfy XXXX since she did n't accept the payment. XXXX XXXX is acting in dishonor and bad faith by refusing to honor the contract and release my property. This is theft ad coercion. Please help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Credit Control, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Credit Control , LLC is a debt collector. We are trying to collect a debt owed to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 
Our information shows : You had an account from XXXX XXXXXXXX XXXX XXXX XXXX with an account number ending in XXXX As of XX/XX/2015, you owed : {$720.00} Between XX/XX/2015 and today : You were charged this amount in interest : + {$0.00}, Total amount of the non-interest charges or fees : + {$0.00}, correspondence@credit-control.com Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX www.credit-control.com

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 2021-06-25
Company: Resurgent Capital Services L.P.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services LP, a debt collector, was timely notified within 30 days of attempted debt collection of the dispute in the amount of {$1000.00}. That notification date was XX/XX/XXXX. The issue involves one transaction of {$610.00} in XX/XX/XXXX where XXXX, XXXX never resolved the dispute with the merchant nor the XXXX XXXX. They just added interest and penalties while the matter was still in dispute, bringing the account to {$1000.00}. The account was sequentially sold by XXXXXXXX XXXX  to XXXX XXXX XXXX. We stated in our dispute letter to Resurgent Capital Services LP on XX/XX/XXXX that we disputed the original transaction and the charges for interest and penalties that XXXXXXXX XXXX added while the matter was still in dispute. 
Subsequent to XX/XX/XXXX, Resurgent Capital Services LP has used pseudo debt collection companies like XXXX XXXX and XXXX XXXX XXXX and has also used multiple addresses in their letters. All these related entities were also sent timely written letters within 30 days of attempted debt collection of the disputed amount. Our written responses were sent to all the multiple address that Resurgent Capital Services LP employed in their debt collection letters. We continue to be harassed by the repetitive annoying debt collection form letters from Resurgent Capital services LP and multiple addresses that they have employed, all of which we have timely disputed within 30 days in writing. Our postage has cost {$6.00} for each certified return receipt plus our time and effort to respond to these multiple letters. We consider this ongoing repetitive behavior by Resurgent Capital Services LC harassment, because they have been told multiple times not to contact us again. ( See copies attached of the certified, return receipt written letters for our timely responses. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I just checked my credit reports and see this collection that reported on XX/XX/XXXX. I have recently been discharged from chp XXXX and all my accounts were included and on my credit report in the comments on this collection account it clearly states account in bankruptcy ... .I want it removed immediately it is false and the account was paid I was discharged from Chp. XXXX on XX/XX/XXXX and all my accounts were paid off and I need this account off my credit report within the next week ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
On or about XX/XX/2018, I discover throughout a credit report alert that my credit score went down from XXXX to XXXX, that also I was behind more than 60 days with my closed credit card business account with CHASE BANK ONE CARD. 
I closed this above account on XX/XX/2018 with XXXX owned balance. 
I closed it because of multiple charges of XXXX XXXX insurance that I did not authorize. 
This account is a business credit card opened with a Tax ID number. 
On XX/XX/2018 my new payment due was XXXX and the account was closed.See exhibit 1, also the unauthorized two payment transaction to XXXX XXXX were refunded to me. 
On XX/XX/2018 CHASE BANK ONE CARD SERVICE report for the first time to the three credit bureaus XXXX  XXXX  AND XXXX  a 120 days plus overdue account referred to collection with the amount of {$510.00} for a bogus payment to XXXX XXXX, plus fees, for a non existent payment that XXXX XXXX did not receive at all and was not authorized by me and it was already refund it back to the account in two previous occasions. 
On XX/XX/XXXX to avoid collection and further credit score damage, I paid the remaining bogus balance knowing that It was a fraudulent collection and late fees. 

I demand an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a contract with XXXX for a car loan.. I fell on hard times and was not able to pay for the car. So XXXX repossed the car from me.. and then sold the car ... .. six months later NCB management is contacting me telling me that I owe them for the same car that was repossed by XXXX and charged off my account.. please tell NCB to stop trying to collect on a debt that I have no binding contract to anymore.. and remove that off of my credit report. Asap and any other derogatory mark and nquires off of my report. I did not give permission for any hard inquiries that don't involve credi cards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to purchase my Equifax credit report from www.equifax.com. My  order failed and I called their customer team. They advised they are unable to locate my credit file on their database. Per my previous complaint XXXX, Equifax advised they were able to find my credit file on their system, and that they would send me a copy of said credit report via mail. I received nothing in the mail and now Equifax custoemr service are unable to locate my file based on true and accurate information provided on my part. 

This being my 2nd complaint requires Equifax 's immediate response and effective action to deliver a resolution. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call in XXXX of 2017 about a XXXX past due account. I told the caller I didnt order XXXX and never resided at address that account was associated with. The caller asked for my last XXXX SSN to verify that I wasnt the person they inquired about and I gave it to them not realizing what I had just done. After receiving a collection notice on my credit report i called XXXX to dispute the charges and they had me fill out a ID Theft Affidavit which i sent to them in XXXX 2017. The collection was removed from my report only to be placed back on with a different collection agency this month. The amount thats in dispute is {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX made an incorrect insurance payment to the wrong account back in XXXX and also paid my correct insurance payment. 
my insurance company could not refund the money because they did not service that account. 
I have called several times to rectify the situation I would ask for a manager they would say theyre not available and that I would get a call back ( I never received call backs ) I was told that they corrected the account and I would get a corporate advance in the next 7 to 10 days and then when I would call to check on it, it was never done.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
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 summit an inquiry dispute from XXXX with equifax on XXXX, i stated on my dispute that i want to remove inquiry from XXXX because i never apply for credit or even give my social, equifax disputed all my account on my credit and even when i noticed the remarks i contact equifax and tell them they disputed wrong accounts they told me they can cancel dispute after that XXXX  credit card account was closed and removed from my credit {$9600.00} limit XXXX balance and XXXX {$1000.00} limit XXXX balance closed and removed from my credit, my credit score went down more than 25 points, open accounts from 11 to 9 and credit limit from almost 30k to XXXX, i call equifax they dont resolve nothing this coat me time money, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: AR
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:
According with the FAIR CREDIT REPORTING ACT XXXX XXXXXXXX FORMERLY XXXX XXXX XXXX, has violated my rights 15 U.S.C 166b A Creditor May not treat a payment on a credit card acount under an open end consumer credit plan as late for any reason.!!!!!!!!

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 2022-08-05
Company: EQUIFAX, INC.
State: NY
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:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : RETIRED Date Updated : XX/XX/XXXX UNKNOWN Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation