BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This situation is related to the Covid-19 Pandemic and the subsequent CARES ACT. 
Lender Navy Federal Credit Union ( Mortgage Arm ) Complaint : Misinformation Regarding Home Loan Forbearance of VA loan. 

Lender is not providing accurate information regarding loan modification options for specific loans to include VA loans to military members. 
Members participating in CARES where told by Navy Federal employees to make payments when possible as making payment when possible would not jeopardize the Forbearance Status. Once some payments were made the lender stated any payments made prohibited participation in the CARES modification program. Lender sent threatening letters stating CARES participant was delinquent ( even though payments were made on-time ) and the home could be foreclosed upon and negative credit reporting would be made.

Member contacted lender who stated they failed to provide updated information to members regarding VA guidance which required a 90 day delinquency to participate in forbearance program. 

Navy Federal Credit Union ( NFCU XXXX failed to process loan modification as stated. NFCU stated a missed XX/XX/2020 payment would be moved to the end of the loan term since that one month was the only missed payment. NFCU subsequently forwarded XXXX payment to XXXX, And XXXX to XXXX making XXXX appear delinquent. In reality XXXX and prior months were paid on time. 
Navy Federal Credit Union is providing false, misleading, and/or outdated information to members increasing the risk for their military member base to face credit harm, foreclosure, or financial stress during the COVID-19 pandemic. 
Individuals in both the collection department ( XXXX ) and the loss mitigation and loan modification departments ( Supervisor XXXX XXXX ) acknowledge members were provided incorrect, misleading, or outdated information regarding their loan status and mitigation options. Members are discouraged from leaving forbearance programs, and accurate details regarding the timeline and structure of loan modifications are not provided to members. 
A recorded and time stamped phone call is available on Navy Federal Systems for XX/XX/2020. Time frame for phone call XXXX. 
Member received a certified letter threatening foreclosure and or negative credit reporting for a member participating in the CARES ACT. 
XXXX XXXX removed property from the CARES program on XX/XX/2020 after failing to modify the loan as promised. 
All payments are current, but the threat of foreclosure or negative credit reporting still looms over member to whom no remedy was provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a mortgage with Ameris bank in XX/XX/2019. I have no access to my transactions online or via telephone. I received notice that Ameris did not pay my City of XXXX taxes for 2019. Also, I have not received a form XXXX for 2019 or any statement of my account. I have tried calling, but they can't find my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing the same complaint again for resolving my issue about fraudulent practises of bank of America mortgage.I need help from CFPB to resolve my issue. What they were saying was wrong about my complaint .when i applied for the disaster forbearance they did not say that i want to participate in the modification program.The customer service agent told me that they will extend the mortgage for extra 3 months. If they told me that i need to participate in the forbearance plan i will not take part in the disaster plan. 
Mortgage company resolved the same issues by extending the loan for extra 3 months.why they are not doing this for me? 
I strongly believe that if i took the modification program they can not cancel my PMI, and if they extend the loan like all other companies did, then i am not at default with my loan and they need to cancel PMI.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A sectio
n 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX- Account number- 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 2021-02-11
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted on XX/XX/2021 at XXXX by a woman from Peragon Revenue Group to collect a {$790.00} medical debt. When i explained I thought I had already paid and questioned the validity of the debt, she got extremely angry and told me I was incorrect and this was for the hospital not medical provider. I asked for validity and she continued to become angry and I told her I wasnt going to pay without proof. When I said that, she told me fine, I will call the hospital and tell them to put this on your credit report and it will affect your credit! I have rights to ask for validity which she denied and I have rights not to be threatened for a debt I will gladly pay once validated!! Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
onXX/XX/18 I used my BoA mobile banking app to, what I thought was securely, transfer {$400.00} from my account to an individual who was " selling '' event tickets. After I transferred the funds the " seller '' stopped communicating, so I immediately called my bank to stop the payment to which they replied there was nothing they could do because it was through XXXX. For one, I did not ask for them to force me to use XXXX when using my mobile BoA app. Two, this is fraud no matter if I initiated the transaction or not. It was their decision to use a non-secure form of transfer and to not try and fix the issue. If I used my debit card to buy a mattress online and it never came, they would consider that fraud and investigate. this is no different.

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 2021-05-27
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit System International located in XXXX Texas has reported 6 medical collections on my XXXX credit report and after several attempts to have them removed because 1. They do not belong to me, 2. They have violated my HIPPA rights according to the FRC law, and 3. I didnt give permissible to Propath if I did owe these debt which I dont to sell my information which is HIPPA to a collection agency. I have asked and now I have filed a suit complaint because they will not remove from my consumer bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with TransUnion on XX/XX/2020. I was informed by their telephone support representative that the results were mailed on XX/XX/XXXX to my PO Box . According to my USPS Informed Delivery account, the mail piece arrived on XX/XX/XXXX, but my postmaster says it was misdelivered to a different PO Box and can not be recovered. After another call to TransUnion. I was told that results can not be re-mailed, and that they are not responsible for post office errors.

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 2021-02-07
Company: Patient Accounting Service Center
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The collection agency Arstrat contacted my work without my permission to try to pressure me to make a payment. As stated before, I did not give the agency permission to attempt to reach me at my place of work. I believe this is in direct violation of my rights under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: NCB Management Services Inc.
State: AR
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:
It has been nearly three months since I first reached out to XXXX, XXXX, and XXXX  about fraudulent activity pertaining to credit file. I have sent XXXX, XXXX, and XXXX  several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on XXXX, XXXX, and XXXX   after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my XXXX, XXXX, and XXXX   report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. XXXX  recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611. Accounts XXXX   XXXX XXXX XXXX, XXXX XXXX, and NCB Management were never established or opened by me and are the direct result of identity fraud and or theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity Theft. I had an account with US Bank XXXX that I closed. There were unauthorized charges totaling about {$14000.00} made to that account. I have contacted US Bank several times to have the Fraud Department research and have yet to have them resolve my account. This account is extremely damaging my credit scores and preventing me from getting the credit I deserve.

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 2021-07-16
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received numerous amount of letters started XX/XX/2021 about a medical bill saying that Ive visited their department or a 3rd party department owing ( {$2100.00} ) which is incorrect, I havent been to a hospital in over 10 years I have my once a year check up with my doctor which is covered by my 15 years of medical health insurance. I contacted the collectors asking if they could validate the information because I dont have any idea how this could have happened. I have also asked the collector to show me documents of the initial visit or whatever information they having claiming was me, I sent a few letters to the collector throughout the months as well as one to the credit bureaus, As results was not received in a timely manner i received a notification about 50 days later from the credit bureaus that my file had been update only to find out it stated all information was correct, That is definitely false information because it was not me, I received not one letter in the mail about an investigation or about information being validated, I dont know who they think they are but I would know if Ive ran up a bill Im a responsible adult not a child I always pay my bills, I received no letter or response back from them personal showing me that I initiated the response. Its been months since I last reached out to them, I had a lawyer advised me to file a complaint with you guys to get to the bottom of this.. Thank you for taking the time to read this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: CITIBANK, N.A.
State: TX
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:
On or about XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX via XXXX requesting pricing to install pavers in my back yard. 

We agreed to the terms, see attached As shown on the invoice they asked for a deposit to cover the materials I paid {$1100.00} to the company for the materials On XX/XX/XXXX XXXX XXXX XXXX   XXXX showed up at my house and proceeded to prepare the yard for the pavers. Soon after their arrival it appeared XXXX XXXX XXXX XXXX was not planning to level or prep the ground as they had told me they would. When I questioned their plans one of the crew said that was not what they planned to do and said if that what you want we quit and walked off the job. 

XXXX XXXX XXXX XXXX walked off the job leaving their trash but did not deliver the materials as per the invoice. 

I filed a dispute with Citibank on XX/XX/XXXX provide them complete details. 

On or about XX/XX/XXXX I receive a letter from Citibank denying my claim stating the dispute was about the quality of service. 

On XX/XX/XXXX I call and waited on hold for ~one hour. I spoke with XXXX who informed me that once a decision was made they would not revisit the matter even if they made a mistake. After multiple request to escalate XXXX said someone from their investigations department would be in touch within two days. I have not heard back from Citibank. 

I do not know how Citibank could come to a conclusion that this was a quality of service issue given I did not receive any services. 

As with most construction jobs the up front money is for materials and the person receiving the service holds money until the job is complete and satisfied. 

My dispute was that I did not receive the materials that I was charged for and that were spelled out on the invoice. The invoice is clear the deposit is for materials. 

Citibank has made a mistake in their decision, this is clearly not a quality of service issue and is providing no recourse to resolve this matter.

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 2022-07-25
Company: EQUIFAX, INC.
State: CA
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 listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
please review the following accounts that appear on my credit report, they do not belong to me, and are hurting me. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

2. Identity Theft PORTFOLIO RECOV ASSOC Account Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Number : XXXX This is not mine. 

7. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: M&T BANK CORPORATION
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I called M & T Bank at the onset of COVID-19 to inquire what their options were going to be in the wake of the pandemic due to the possibility of my husband potentially losing his job. Their website stated they would process deferments, when I asked about that, they said it was an error and they would not do deferments, only no negative credit reporting and forbearances. I thanked them for their time as we were not certain at that time if my husband would lose his job. In XXXX of 2020, I received a call from M & T bank inquiring our financial situation as our FORBEARANCE was coming to an end. I told the agent that I never requested a forbearance and had made all of our payments on time. She said she took us out of forbearance even though I never asked for it. The next week, I get another call for the same purpose. I said the same thing, that we never should have been in forbearance, I repeatedly asked how that even happened and she said when I inquired about payment options that they put us in forbearance to help us out. I told her over and over that they legally can not do that. I work in XXXX  and I am aware of the implications of a forbearance. My husband went to pay online today and it gave him an error that he can not pay on the mortgage due to forbearance restrictions. I called again and she said the payment is in their system. I would like a letter from M & T Bank stating we were never in forbearance.

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 2021-07-16
Company: OneMain Finance Corporation
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: Account information incorrect

Complaint:
A company called One Main is furnishing incorrect and incomplete information on an account on my credit reports. I have made several attempts to have these items corrected. I have sent letters containing print outs of how the accounts are showing on my XXXX, XXXX XXXX and XXXX  credit reports with marking to indicate what needed to be corrected. The company 's inability to fix these errors in their reporting is causing me financial harm. 

Under the Fair Credit Reporting Act ( FCRA ) I have the right to have a 100 % complete and accurate credit report. XXXX XXXX is violating my consumer rights. 

I am attaching my most recent correspondence. As prescribed in the FCRA, I initiated contact with One Main through the credit reporting agencies.

Company response to consumer: Closed with explanation