BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a mortgage with Carrington Mortgage on XX/XX/2018. I first was in touch with XXXX XXXX in the XXXX Florida office. As the weeks went by and I tried to get in touch with XXXX XXXX she no longer worked there. They then told me XXXX XXXX took over XXXX XXXX 's files. Once XXXX start taking over the file it was issues of her not returning phone calls and her having an attitude. I put up with XXXX for a month until I can no longer take her attitude and rudeness. I then told her that we no longer wanted to work with her because of her attitude and her professionalism. I explained to her that we were going through enough trying to purchase the home and didn't need anything else to stress me out. I then asked her to pass our file alone to another loan officer who will understand our needs and get the file closed. She advised me that she can not do that she will pass the file to her supervisor which is XXXX XXXX. As weeks went by I called and emailed XXXX and he never responded back. I then XXXX Carrington Mortgage and a couple of loan officers came up I called each loan officer and ask him to put me in touch with XXXX or somebody else that's a supervisor. A week later XXXX called me and said he never got the messages or the emails which I have proof I sent. XXXX advised me that he will be taking over the file to try to get the loan closed. XXXX was very nice for the first couple of days and then he started being un- professional like XXXX not returning phone calls and having an attitude. When I first applied with Carrington Mortgage I explained to them that we were victims of identity theft and someone had stole our identity as we were trying to purchase this house. They advised me that it was okay that I had a fraud affidavit and I have proof that we were a victims of identity theft and they still can close on the house. They also have asked me to turn over the owner finance house that we were living in because we could not afford two mortgages. I did what they advise and I turned the house back over to mr . XXXX which I got it notarized. Mr XXXX said he would give us a couple of months until we were able to close on the house it is now going on XXXX and we will be homeless as of XX/XX/2018. XXXX sometimes call and email my Agent but will not communicate with us as Clients. I feel it's unfair that he sometimes explain what's going on with My Agent but not us. Please help I have a XXXX year old child and I'm so scared we will become homeless on Monday XX/XX/2018. 

Thanks for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation from this company that includes my signature. The company sent a bill statement from XXXX XXXX in which I never had an account with. 

Ive also sent a certified letter on XX/XX/18 request that this company cease with the telephone calls and hey have violated my request by calling two times a day after the letter was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried accessing my account and it says that my username has been changed. I NEVER changed it. It prompted me to reset it, and NOTHING happens when I enter the information. I tried calling and no one answers the phone. I called again and it prompted me to provide my phone number so that someone could call me back in 24-38 minutes. They called me back and hung up. This bank stole my money!

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 2020-08-25
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: Information is missing that should be on the report

Complaint:
After several months of disputes with the Experian there appears to be a deliberate refusal on their behalf in removal of identity theft related accounts that have been reporting on my credit file. These accounts were not opened or established by myself. I have sent in several pieces of supporting documentation but yet Experian continues to report these accounts on my credit report. I've never owned any credit cards with XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. I've reached out to the creditors and was informed to contact each consumer reporting agencies for a dispute. I also sent in and identity theft affidavit from the Federal Trade Commission report # XXXX which included the accounts listed above. I am aware anyone or individual with my personal information such as name, address, and social would be able to easily impersonate myself and open accounts under my name given the automated verification or e-oscar data furnisher system only verifies such personal information and nothing physical is ever obtained. I have been denied credit and this has caused a significant hardship financially and Experian should be held accountable.

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 2020-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After several months of disputes with the Equifax here appears to be a deliberate refusal on their behalf in removal of identity theft related accounts that have been reporting on my credit file. These accounts were not opened or established by myself. I have sent in several pieces of supporting documentation but yet Equifax continues to report these accounts on my credit report. I've never owned any credit cards with XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. I've reached out to the creditors and was informed to contact each consumer reporting agencies for a dispute. I also sent in and identity theft affidavit from the Federal Trade Commission report # XXXX which included the accounts listed above. I am aware anyone or individual with my personal information such as name, address, and social would be able to easily impersonate myself and open accounts under my name given the automated verification or e-oscar data furnisher system only verifies such personal information and nothing physical is ever obtained. I have been denied credit and this has caused a significant hardship financially and Equifax should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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: Public record information inaccurate

Complaint:
I requested a method of verification to Equifax about a Bankruptcy that was on my credit report they had on my file on XX/XX/2020. I sent the letter certified and had it notarized which I have records of. They retrieved it on XX/XX/2020 signed by XXXX XXXX. They sent me back a report on XX/XX/2020 saying they had verified it validity through a company called XXXX XXXX. It says that on the report they sent me back. So, I sent a method of Verification to XXXX XXXX on XX/XX/2020 requesting the method of verification from them. Which they replied they verified it with the Us Bankruptcy court. I also got a letter form the Bankruptcy court saying they do not verify information with 3rd party Credit reporting Agency. Which I mailed to XXXX XXXX and a letter saying that three must have been an error. I sent XXXX XXXX a direct letter asking them to verify with whom they got this information from. On XX/XX/2020 XXXX XXXX sent me a response back saying they removed the Bankruptcy from there data based they had on me. Which I have records of. Then I sent a copy of the removed Bankruptcy and a letter to Equifax, and XXXX showing that XXXX XXXX had removed the bankruptcy form my credit file. I asked both Equifax and XXXX how could you have verified it with XXXX XXXX if they removed it from my file. I explained to them they can not just PARROT information they have to do a complete investigation. You can not just use the E-Oscar system with a 2-digit code. Then reply you have verified it with the Credit Reporting agency. Equifax sent me back a response on XX/XX/2020 they had verified it through XXXX XXXX and that it would stay on my credit report. Which is complete nonsense. It had already been removed from XXXX XXXX. Which proves they did not even look at the paperwork I sent them showing the Bankruptcy was removed from XXXX XXXX which they claimed they verified it with them. This is a direct violation of the FCRA under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) under Section 611 ( 5 ) ( A ) of the FRCA they must promptly remove all information which can not be verified. How can they verify the Bankruptcy when it was removed from the company? They claimed they verified it through on XX/XX/2020.This is hurting my ability to obtain credit and buy a house while making it impossible to get the credit I deserve. Causing me and my family financial hardships. This is un-acceptable and they should be held accountable for there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
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: Their investigation did not fix an error on your report

Complaint:
I disputed two fraudulent accounts on my credit report, and they still remain there after Experians investigation. These need to be removed as soon as possible. Experian is currently showing an inaccurate report and score. I have repeatedly been in contact with them and they have not been able to help 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 2020-11-16
Company: Higher Level Processing
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had dropped out of school, and had a balance of a little over $ 11k. So I started working with HLP in XXXX 2018. The deal was for them to consolidate my loans, and I agreed on a 5 year deal, where on the 5th year I would receive total forgiveness. They also promised me that after the first 4 payments of XXXX, that I would begin to see a change in my loans on XXXX. This never happened however ; I recently cancelled in XXXX of this year because the monthly payments weren't affecting my loans at all. I believe I have been lied to. I contacted HLP in XXXX and they told me that I initially agreed on a 20 year deal back in XX/XX/2018!!!! This is not true and is so uncharacteristic of me. I know what I agreed to, and I never would begin payments to pay for more than the loan itself!! My income was low, so I was paying {$19.00} per month, and what they told me was that i agreed to 20 years of paying {$19.00} a month. I was scammed and I demand a refund of more than {$1000.00}. I payed this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'm not familiar with this a account XXXX XXXX # XXXX, please provide method of verification and validation of debt as I did not receive notice to dispute this information. Also, I have sent Certified mail to this company and received no response. As this company is no longer in business as well. 

Please Deleted ASAP.

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 2021-01-20
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a U.S. military service member currently assigned to XXXX XXXX. At this time my military paycheck is made payable to Wells Fargo bank. Trying to transfer my funds from Wells Fargo to a bank account that is capable of paying my rent here in XXXX has resulted in a " sorry sir we can not make this happen '' based on the fact that a authorization code isn't able to be sent to my XXXX number even though there is a branch available in XXXX. There was never a warning at any time that stated that at any time that I were enlisted and chosen by the U.S. government to serve overseas that I would not have access to my deposited funds.

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 2020-08-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Sometime before XX/XX/2019, I received a communication from what is now my former bank, HSBC ( " HSBC '' ), about my savings account and the ending of our relationship because I generated more than six ( 6 ) account transfers within a statement period. 

Since that time, I have had numerous communications with HSBC via telephone, email and their internal communication system offered within my HSBC online account for the return of the remainder of funds in my savings account at the time the account was closed. Each time, I receive a different reason as to why I have not received the funds, including all of the following : verification of residential address, the check was returned based on the residential address on file, the residential address does not match a previous address that was on file, a check will be sent within 7 days, a check was sent. 

Now, I do not have direct online access to my former HSBC account to continue referencing a direct communication to the funds or my relationship with the bank. 

Though there was not much remaining in the savings account, it has become a matter principle in HSBC practicing the business professionally with full accountability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-01
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX/XXXX XXXX has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. XXXX XXXX/XXXX XXXX provided no initial communication within the five days of any collection attempts regarding this debt. In addition, XXXX XXXX/XXXX XXXX has failed to provide any original copies of verification obligating myself to this debt. Since XXXX XXXX/XXXX XXXX has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my second complaint submitted against FCO - Fair Collections & Outsourcing. They were trying to collect a debt from me that I do not owe, know nothing about, and that is not mine. The debt is for {$3200.00} and it's from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I know nothing about the debt or the company. The first complain that I submitted had a response from FCO informing me that they contacted me wrongly and that I'm not the person they're looking for and that we had similar names. They also apologized and said that they would delete all of my information from their system and never submit a negative report on me to any credit bureau due to the debt not even being mine. 

I checked my credit reports today and found out that they did indeed submit a negative derogatory report on me even though they had informed both me and the FTC that they won't do anything due to the debt not even belonging to me. 

Please help me because this company is clearly operating illegally. They failed to verify the debt by not showing me any legal paper work that has my personal information and they even told me over the phone that they don't have any of my personal information on any of the legal documents they posses on their end. They don't have my birthday, signature, address, or any other information on any of the legal documents they have yet they still attack 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 2018-08-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
inaccurate information no knowledge of accounts filed with FTC and PO report, in violation of consumer rights, lending act and HIPPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$2300.00} XXXX  XXXX {$530.00} XXXX XXXX {$100.00} XXXX XXXX   XXXX {$650.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX  XXXX {$23000.00} XXXX  XXXX {$530.00} DEPTEDXXXX XXXX {$1000.00} XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX {$2300.00}

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 2020-09-02
Company: CORELOGIC INC
State: KY
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:
someone by the name CREDO pulled my credit report without my consent

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 2021-02-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The most recent online monthly statement is incorrect, statement date XX/XX/2021. Select Portfolio Servicing still has not corrected the online monthly statements. The past unpaid amount of {$870.00} is incorrect. There is no balance owed or past due. I just started paying {$870.00} on XX/XX/2021 from a correction that was made by Select. How can that amount be past due. Any unapplied payments should go to escrow. 

Why did Select send {$190.00} of escrow surplus instead of leaving it in escrow. If the account should have {$920.00} in escrow for XX/XX/2021, why doesn't it reflect it on the online statement? The online information shows the escrow balance of {$530.00}. 

Please stop reporting inaccurate information on the account and correct it. Stop reporting fraudulent amounts on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is against BBVA Bank in XXXX, AL. 

There was an error/type o in my XXXX mortgage payment. My bill pay sent {$830.00} instead of my regular payment of {$830.00}. ( XXXX cents short ) BBVA rec this payment on XX/XX/2020 but did not apply it because it was short. They should of called me ASAP. They waited 2 weeks to contact me about this. BBVA waited till it was 15 days late so they could hit me with a late charge and they did. {$30.00} Why did they hold my payment almost 3 weeks then hit me with a late charge? They could clearly see it was an error or type. I sent them {$830.00}, it was XXXX cents short, really???????? 

I was contacted on XX/XX/2020 for the first time. They should of contacted me on XX/XX/2020 when they rec my payment. They saw it was XXXX cents short but waited 2 weeks to contact me? You know why, to charge a late fee! 

The collections rep that called on XX/XX/2020 even said the late fee would be waived since it was an error. But now BBVA has stated in a message online the late fee stands. This is total XXXX and a UDAAP volition. I am never late. I have a very high credit score. XXXX I work at a XXXX. BBVA could of called me the first week and got this cleared up. No, they decided to hold the payment then hit me with a late fee. I want this late fee removed! The is Unfair, deceptive and abusive practices.

Company response to consumer: Closed with explanation