BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is the second complaint we have filed as when we called in the XXXX kept saying the DOB does get involved in Short Sale approvals. It's evident no one at the division of banking even READ THIS COMPLAINT as the information mailed to me in response was regarding CARRINGTON MORTGAGE and this complaint is NOT AGAINST CARRINGTON. This complaint is not regarding a short sale. 
This is regarding XXXX ( 2nd loan servicer ) sending a discharge of mortgage debt ( 1099C ) to homeowners in XXXX and then when they went to sell in XXXX they couldn't because the mortgage discharge was never recorded. When we attempted to contact XXXX they scrambled and said the entire debt was still due - however each homeowner is in possession of the 1099C which was dated XX/XX/XXXX. 
Per Massachusetts law Mass. G.L. c.184, 17B the mortgage servicer has 45 days to record a discharge once the mortgage debt is discharged. Mortgages must be discharged within 45 days of receipt of full loan payoff by recording and furnishing a copy of the discharge with corresponding recording information or providing a proper discharge to the person paying off the loan. If the DEBT is discharged in it's entirety there is no mortgage anymore. XXXX XXXX and XXXX XXXX XXXX mortgage debt was discharged in it's entirety. A discharge should have been recorded by XX/XX/XXXX. 
From XXXX : I have listed my house for sale. When title was pulled it showed TWO mortgages, however in XXXX my mortgage was forgiven by XXXX. XXXX was originally XXXX XXXX which was sued for giving out bad loans. My the debt was forgiven by XXXX with a 1099C in XXXX, but they never took the mortgage associated with this off of my title. Now I'm being told that even though they sent me a 1099C stating the debt was forgiven that that was a mistake and I owe the entire amount. This makes no sense. If the debt was forgiven via a 1099C then the mortgage should have come off my title at that time, but it was never done. On top of that how is it I now owe the debt that XXXX forgave? 

We have filed complaints with Division of Banking and the MA Attorney General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2014, Wells fargo " closed '' and account that i was unaware of for {$980.00}. A family member had taken out a credit card under my name without my knowledge or approval. i have disputed with all 3 reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XXXX/XXXX/XXXX I went to XXXX XXXX because I needed a reliable car. I spent approximately 6 hours at the dealership that day, at one point leaving to pick up my XXXX XXXX XXXX at preschool and returning. I still had not seen the XXXX XXXX XXXX that I was informed would be the only car I would qualify for. At 7 pm, desperate to get out of there, go home and fee myself and my son, I was told the paperwork was ready to sign and I would be on my way. I had no idea what I was getting into, who the loan was through or even what the car looked like!! I felt like i had no other options at this point so I signed the papers and went out to see the car I had just agreed to pay $ XXXX for 48 months@29.9 % interest rate. I was sick to discover this car was going to need new tires among many other things. I felt like there was nothing I could do so I did my best to make the payments but it was impossible. On XXXX/XXXX/XXXX I contacted Credit Acceptance to explain what was going on and try to get lower payments by removing some of the add on packages that are very unnecessary. Unfortunately, instead of being able to do anything I intended, the woman was extremely rude and wanted to know where I was, where the car is at, what times I leave because they 're looking to take my car. I was told that if I could not come up with over {$800.00}, my car would be gone. She then suggested I borrow the money. I have no one to borrow money from so she said I needed to come up with at least {$410.00} by the end of the day. I ended up overdrawing my account to avoid my car being taken away while I was grocery shopping. I was transferred to another woman who wanted to withdraw another {$410.00} in 3 days. my requests to lower the payments, remove packages or anything to help make the payment affordable were just flat out ignored, not even acknowledged. They are completely unwilling to hear why I am unable to pay an outrageous amount for a car that is not even close to being worth that. They want to repossess the car and that is it. I want to keep the car, pay for it and improve my credit but this company is definitely not helping with that in any way at all.

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 2018-09-21
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a credit card. 3 years ago, I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. The Inquiry is inaccurate, misleading, or incomplete, may have violated federal law.. I do not know how this company receive my info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Regions bank frozen my bank account for no valid reason. They not giving me any reason even when i visited the branch. I have funds in my bank account and most of my payments got returned. I am suffering damaged and returned payment fees because they froze my account. I started new job and deposited my first check since then my account is frozen and i cant have access to my funds. Its illegal to hold my funds for no reason. I have never committed fraud neither my balance ever became negative. 

My account is frozen from XX/XX/2019. 
I am asking CFBB TO help me because i am unable to reach anyone help me with this awful scam bank. If i dont get my funds i am going to the court. 

I am 5 years customer at the regions bank. I will never do business with them. I have suffered alot to cover up the returned payments.

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 2020-07-01
Company: Experian Information Solutions 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:
BEING A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT WHICH WAS OPENED UNDER MY NAME WAS OPENED MAINTAINED WITHOUT MY CONSENT. THE XXXX  XXXX XXXX OPENED UNDER MY NAME IS FRAUDULENT, THE CHARGES ARE FRAUDULENT. I DIDN'T AUTHORIZE XXXX XXXX XXXX TO PULL MY CARD AND ISSUE A CARD TO A THIEF, THIS ACCOUNT IS NOT MINE, THIS ACCOUNT WAS NEVER MINE, THE CHARGES ARE NOT MINE. I HAVE CALLED XXXX XXXX   XXXX AS SOON AS I FOUND AOUT THIS CARD AND I ASKE D THEM TO CLOSE IT. 

AGAIN, THIS ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE.

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 2018-05-31
Company: AFNI INC.
State: GA
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 received notice dated XX/XX/2018. There is a company called Afni collections. I tried to email this company for proof of account, and to remove it off my credit report due to this is fraudulent. The email dress is not accepting Emils, says do not exists. It has an count number of XXXX creditor is XXXX. I looked up this and have no clue what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
We were a long time business customer with BMO Harris in XXXX. Our account was repeatedly compromised. Starting XX/XX/XXXX, small telephone transfers began to happen. We reported this. However, the transfers began to mirror our own ACH payments such as XXXX, XXXX, XXXX XXXX, etc. We assumed that these payments were ours. When we realized they were not, we contacted the bank and found that an unknown person had been given permission to make telephone transfers. These transfers totaled {$14000.00}. BMO told us that our only option was to close our account and there were no other remedies. Their fraud division is not contactable and does not respond to calls or emails. We were told by our local branch to close our account. We had the expectation that BMO had fraud measures in place, however, it seems probable that the person that committed this fraud actually works for the bank. After forty years in business, working with BMO has been the worst experience we have ever had.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a freeze with the other two agencies on XX/XX/XXXX, but Experian 's website has been an unnecessary hassle preventing me from completing the freeze, at each attempt in this process, and again today ( XX/XX/XXXX ). 
In XX/XX/XXXX I requested my credit report, which Experian could not verify so it was mailed to me. Receiving my report number I logged in online and attempted to put a freeze on the account but was unable to. The website frequently 'times out ' requiring my information to be entered in again. When it does go through I receive a notice that it ca n't be processed online and that all my personal identity information, along with a check, has to be mailed in to them. Mailing all my information along with my checking account is an unacceptable security risk. 

Equifax should be invoiced for these credit freezes, not consumers. 

Experian has wasted hours of my time already, which is worth much more than the {$5.00} they insist on charging. This is especially true considering I did not authorize their collection of my information. If they are given such an important responsibility, they should be expected to have a website that functions to serve our needs appropriately.

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 2019-05-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a payment online with XXXX  today XX/XX/XXXXfor {$25.00}. Once the recipient verified payment she immediately blocked me and did not send my service. 

I reached out to cashapp to report the recipient and ask for my funds to be returned and they told me they can not return funds and need to speak with jpmorgan Chase for a refund. 
I called Chase and they told me no they can not refund my money. 
Had I known cashapp is non refundable in the case of fraud than I could've used XXXX which is for the costumer and will at least investigate before telling the customer no. I feel both cashapp and Chase are responsible in my case. 
I want her account deleted so no one else is scammed and I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
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 sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. XXXX, Equifax and XXXX  continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Receivables Performance Management, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX made a settlement deal with me to pay XXXX XXXX an early termination fee for {$280.00} that would settle a {$400.00} bill. It was paid in two payments of {$140.00} on XX/XX/XXXX and XX/XX/XXXX. After making the payment on XX/XX/XXXX I called back to just go ahead and pay it in full same day. The man on the phone said the payment for XX/XX/XXXX could not be changed because it was already in the system. After receiving the settlement amount they post I had an unpaid balance of {$120.00}. They have refused to correct this matter. Their reporting caused this false information caused my credit score to plunge 45 points. I want them to delete the false reporting from my records.

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 2018-08-17
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
DISPUTE WITH XXXX XXXX XXXX XXXX XXXX XXXX-STATEMENT FOR XX/XX/XXXX/XX/XX/XXXX SHOWED FOUR FRAUDULENT CHARGES AS FOLLOWS XX/XX/18 {$60.00} XX/XX/18 {$490.00} XX/XX/18 {$280.00} XX/XX/18 {$200.00} -- AFTER FILING A COMPLAINT WITH THE BANK THEY CANCELLED MY CREDIT CARD AND ISSUED A NEW CARD WITH NEW NUMBER. THEY ADVISED ME THAT THE VENDORS ON THE XXXX   CHARGES HAD BEEN TAKE CARE OF AND REMOVED FROM MY ACCOUNT. AFTER THEIR INVESTIGATION ON THE XX/XX/XXXX CHARGES I WAS ADVISED THAT THIS DISPUTE HAD BEEN RULED IN MY FAVOR AND HAD BEEN REMOVED FROM MY ACCOUNT.

THINKING THAT THIS WAS THE END OF THE ISSUE UPON RECEIVING MY XX/XX/2018 STATEMENT I NOTICED THAT THE {$280.00} AMOUNT HAD BEEN PUT BACK ON MY ACCOUNT AS A CHARGE.

AFTER NUMEROUS PHONE CALLS AND LETTERS TO THE BANK THIS ISSUE HAS NOT BEEN RESOLVED AS OF THIS DATE. ON XX/XX/2018 I MAILED THE BANK A LETTER ( CERTIFIED MAIL DELIVERY RECEIPT REQUESTED ) REQUESTING THAT THIS ISSUE BE SOLVED. THIS LETTER WAS RECEIVED BY THE BANK ON THIS DATE.

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 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX, XXXX, XXXX and Bank of America XXXX have inquiries that were not authorized reporting to my credit reports

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 2019-05-27
Company: EQUIFAX, INC.
State: GA
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:
First, I am a victim of identity theft. On XXXX sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XXXX I received an Equifax credit file. This credit file still shows 7fraudulent addresses ( # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # 3-    XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, # 4- XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, # 5- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, # 6- XXXX XXXX XXXX, XXXX, XXXX  XXXX, # 7- XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX and6fraudulent accounts ( # XXXX XXXX XXXX XXXX XXXX   XXXX  # XXXX XXXX # 2 XXXX XXXX XXXX # XXXX, # 3 XXXX XXXX XXXX  # XXXX, # XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) . Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means Equifax is in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a XXXX Credit Card aka XXXX Credit Card. OnXX/XX/XXXX I logged on their website and requesting a credit line increase. While I was completing the form on their website. which is XXXX  there was an option just under the annual income field that states " by selecting this check box, I am allowing the bank to access my credit report, if necessary. '' I made certain that I did not check that box and i did not.

Well on XX/XX/XXXX I get an email alert from XXXX stating that something changed on my credit file. I logged on and according to XXXX it was a hard inquiry from XXXX XXXX  for new credit. I did not authorized XXXX to pull my credit. I called XXXX  to dispute the inquiry but XXXX referred me back to XXXX. I called XXXX and that stated I must submit a written request and that they have 90 days to respond. I found that to be absurd. So I decided to submit a complaint through CFPB.

Also XXXX would not take my complaint at all even though after I logged in to their site ( i have credit monitoring service with them ) and attempted to submit the dispute online their website directed me to call to submit disputes about credit inquiries. After waiting 30 minutes on the phone their rep stated they do not dispute take credit inquiries and i must dispute though the company directly. I found that odd and i asked 2 times just for clarification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are trying to fix the problem with the mortgage companies but they transferred my mtg to a new company and i have provided all they asked for.Auction sale date is scheduled for XX/XX/XXXX and the mtg co sent a letter dated XXXX that I received on XX/XX/XXXX that threatens if they don't receive the extra information they're requesting that my hardship assistance will be declined. What a scam they are pulling here. I included the letter the sent me. It came from XXXX, Tx to XXXX Illinois by regular mail with an expiration date of XX/XX/XXXX. Absolutely no way that I could've satisfied their request since I received the letter on XX/XX/XXXX. in the request they asked for my now husband information who has no obligation to this debt no does he contribute or wants any involvement with this debt. I provided a letter. He was never on the loan and does not wish to be. Also, The reason for the hardship was due to my mother passing away who was the other borrower to this loan. The application packaged asked for either the origin death cert or print out of a public obituary. I enclosed the obituary in the original submission and the bank is still requesting the original. I believe this is a delay tactic although I have place it in the mail yesterday. I am cooperating but the banks do not seem to want to work with me and continue giving me the run around. Your assistance is greatly appreciated. Please let me know if any other information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: GREAT LAKES
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX, also reporting loans as XXXX XXXX XXXX XXXX XXXX is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts between both XXXX XXXX and XXXX that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XXXX to XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XXXX are removed as we are coming into a new year. I need this done ASAP, as XXXX XXXX XXXX is partaking in illegal reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation