BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-07
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Mid XX/XX/2019 my husband received a letter from our previous lender stating his mortgage loan was being transferred effective XX/XX/2019. By mid XX/XX/XXXX We received a letter from the new servicer dated XX/XX/2019 and I noticed my name on the mortgage letter which had never been previously. The month of XX/XX/XXXX a statement was mailed out and again my name was on it as well. This set off a red flag which caused me to look at my credit report. I did get a couple of emails that were not read earlier but I paid it no attention. ( Previously we tried to refi to combine an 80/20 but were told it failed though due to a high DTI ratio. ) I'm not into debt this high because it's very stressful. This is stress and hard for me to sleep knowing I have this to think about. I like keeping my financials under XXXX. I pulled my credit report and found out this company has taken it upon themselves to add me to a mortgage in the amount of {$140000.00}. Wow this is crazy. Mid XX/XX/XXXX I requested a copy of the original Note and it was emailed. ( See attached ) I later called the customer service department and the did not have a clue as to why my name was added.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: AIH Receivables Management Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2019, AIH Receivables, XXXX, they contacted my employer without permission. I asked them not to contact employer, as they do not have permission. They have continued to contact my employer and harass not just me but my co-workers and ultimately my boss. I have been told that this matter needs to not come to my office or they will have to let me go. So not only are they harassing me at work but they are jeopardizing my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank calls multiple times a day. They have all the correct contact information and have inserted past acquaintances phone number into my account information online. I have removed it from the account profile. They have also been contacting family members multiple times to obtain information they already have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-13
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Professional Debt Mediation Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. I do not believe this account is valid and correct, the collection has failed to verify the debt within 30 days of requesting more information and I do not believe that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I 've been trying for months to get an online account to pay my bills. Capital One is refusing to get me access to pay them. They deleted my online account, and for months my account username : XXXX said I had no accounts with them. I do n't have the cards and they want a CVV number to them. They 're negatively reporting to the credit agencies information that I ca n't address because Capital One is refusing to give me online access and my account numbers to send payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CORELOGIC INC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Received a response from CoreLogic/SafeRent on XXXX/XXXX/2017, to the dispute i filed, but the issue has not been resolved.
Company did delete 1 of the 10 " court filing inquiries '' that were in dispute but refuse to delete the rest ... Even when I expressed to them that the information they are reporting is false & misleading, and also provided documentation from my current rental property manager, that I have never been evicted, had any judgements against me or owe any balances!!

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 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed the student loan account with XXXX   for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, XXXX XXXX XXXX , USDOE/XXXX XXXX, USDOE/XXXX XXXX, DPT ED/XXXX XXXX and DPT ED/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not my information reporting.

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 2018-01-01
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I started on IBR 3 or so years ago with a payment of XXXX a month. Once on that I was all good and on time. I kept that payment for about two years. After that even though my income has NOT doubled they doubled my payment. I have struggled at XXXX a month. I have asked for help on the phone and nothing. This last time when I submitted for renewal of my IBR I sent written request to please not increase it my income had not changed and they raised it to XXXX. I am a single mom. I can not afford that payment. I dont like being late but they dont want to help and have said they wont or cant. I get maybe a 3 percent raise a year and I dont see how raising my payment so much even reflects my ability to pay. Please help me. I dont want to default and I am making payments but still losing ground because they wont help. I know they have been in trouble as have the college I went to. I was never told how much this would impact me or how devestafing it would be. I guess I made a big mistake going to collage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates, LLC has been calling me non everyday for over 3 years. I have told them over and over again that they need to stop calling me. I have called the company personally and asked they remove me from contact list. They call almost 2-3 times in a single day. 

The conversation is no we can not remove you from our call list. We do not have a call list, you can not stop us from calling. 

They also say we are on a recorded line which I tell them that I do not agree to and still they continue to record my voice and call without permission. 

Over the past year I would say I have recived well over 300 phone calls from Portfolio Recovery Services and everytime I tell them to stop calling / remove me from there calling list. 

Portfolio Recovery Associates, LLC Disputes Department XXXX XXXX XXXX. 
XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern I am writing to request, that this debt please be deleted from my credit history report, You may verify with the source and I have included their contact details According to the Fair Credit Reporting Act ( FCRA ) Section 602 ( b ) I am permitted to have accurate and true information reflected in my credit report. To accomplish this I am requesting the collection from ( Penn Credit ) be deleted as it was on XXXX Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute to have XXXX XXXX XXXX to remove late remarks on my credit file through Experian and Experian took longer than 30 days to reply. By law, your company has to remove any late remarks after the time has expired. Your company has four days to update my XXXX XXXX XXXX Auto Loan as paid as agreed and to remove late payment remarks. If not, legal actions will be taken against  your company for violating my rights.

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 2018-01-01
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: Account information incorrect

Complaint:
I JUST BECAME AWARE OF A LIEN REPORTED IN MY CONSUMER CREDIT REPORTING AGENCIES. I HAVE NO KNOWLEDGE AND NEVER CONSENT OR HAVE ANY CONTRACT FROM SUCH REPORTED LIEN.

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 2021-09-20
Company: DISCOVER BANK
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I get these calls daily from XXXX at Discover saying they've been trying to reach me. If I press one to talk tosomeone and ask not to be called again they hang up on me. This happens daily... sometimes a couple of times a day. They always use my area code and my cell phone prefix. I answer because it could be a doctor or other medical provider. Today the call came from XXXX at XXXXXXXX XXXX. My cell phone number is XXXX. I have called Discover Card and these calls are not coming from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late or cured XX/XX/XXXX, I'm not sure because some bureaus say cured others don '' t. and the same for XXXX and XXXX of XXXX!! 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A caller from XXXX XXXX ( XXXX XXXX ) - she called and stated my social, the debt I owed, and a few other personal things. ( XXXX ( she had previously left a message and accused me of bouncing a check and defrauding a financial institution and ended her message with good luck ). I asked her to send a validation of debt to which she refused and stated the original creditor had to supply that. She then gave me a phone number that was not to the original creditor. When I said I will call them and verify then call back she threatened me saying I am refusing to pay, I will be sued or wages garnished and threatened something about a lien or taking my XXXX  XXXX XXXX and hung up immediately after the statement. Then a gentleman ( XXXX XXXX from the pre-legal with XXXX XXXX XXXX ) from the same company called and left a message stating they have tried every " appreciable '' way to get me to pay ( they have contacted me twice ) and that they have no more time and accused me of defrauding the company. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

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 2020-02-13
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
-XX/XX/XXXX Daughter begins XXXX University with a {$7000.00} unsubsidized {$5500.00} Subsidized loan -XX/XX/XXXX loan repayment stmt {$5900.00} -XX/XX/XXXX Congrats your unsubsidized loan is paid off -XX/XX/XXXX large payment made towards loan -XX/XX/XXXX large payment made towards loan -XX/XX/XXXX loan repayment stmt {$7500.00} ( showing a current balance {$2600.00} on a loan they said was paid off ) -XX/XX/XXXX loan repayment stmt {$7500.00} ( showing a current balance {$2600.00} on loan they said was paid off. 
-Summer XX/XX/XXXX student makes several phone attempts to resolve issues and is unable to make progress. She drops it. 
-XX/XX/XXXX student makes monthly payment -XX/XX/XXXX student makes monthly payment -XX/XX/XXXX student seeks parental help to figure out loan and gives permission for parent to have full access to loan w Ed Financial.Parent begins process with XXXX and Ed Financial to get tot he bottom of this. Ed 's numbers do not match XXXX so we patch XXXX on phone, its revealed that Ed 's numbers don't match NSLDS, XXXX, or COD. 
XX/XX/XXXX XXXX follows up with Ed tells me its okay to call and now make progress XX/XX/XXXX Parent calls, am given inaccurate numbers again, and am told someone will call back XX/XX/XXXXParent calls and am no longer given authorization to discuss matter so parent has student fax a letter of authorization so parent can handle account mainly because the run around, the delay, the time, makes it virtually impossible for a working woman to have success dealing with matter at hand. 
XX/XX/XXXX Parent has to wait for student to get off work to give another verbal approva for parent to discuss matter but Ed again passes off phone call to say a supervisor will have to handle but due to sups being thinned out there is no one to help. 
XX/XX/XXXX Parent calls early in am to try and reach a sup hoping they are not thinned out in the am. But no, on sups available. My 24 hour auth will run out, just like the faxed letter will take 3-5 business days for them to implement. Just like every phone call the student and parent have made, we continue to be put off, be given incorrect numbers that do not coincide with school, and its impossible to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The service provider is Bayview loan services. They purchased my mortgage from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX they sent me a welcome letter and an invoice in the amounts of {$5700.00}. My monthly payment on my mortgage has always been {$1600.00} per month ( I have a fixed 30 years mortgage ). All of a sudden I was received this large bill for a combination of missed payment, escrow shortage, and a mortgage insurance. <P/>I have never missed a payment with my prior mortgage servicer, I do n't pay insurance as it 's a condominium and I have a master insurance policy through the HOA. I have faxed evidence of coverage and receipt of monthly payment to prove to the new servicer that I have never missed a mortgage payment. Every time I call, I always talk to a different person, and I have to repeat everything all over to everyone I talk to .... Since XX/XX/XXXX, I have talked to them countless times ... no one could help me and justify how they come up with {$5700.00}. After so many phone calls and arguments ... .they finally told me that there is a shortage in my escrow and added about {$80.00} to my monthly payment making the monthly total {$1700.00}. However, I get non-stop phone calls .... They are now claiming that I have missed a XX/XX/XXXX mortgage payment. <P/>I have told numerous people at Bayview that I have paid the XX/XX/XXXX payment to XXXX XXXX. I have even faxed evidence that I have made the XX/XX/XXXX payment ( four times ). Still I get a phone call a few times a week saying that I am late with my mortgage payment. This has been a very stressful situation because it seems that NO one is willing to help me. I have talk to different representative from Bayview, and they all tell me different story as why they keep calling me for a missed payment. <P/>I have tried on my own, I have talked to different so called supervisors from their escalation department ... ..and to this day they keep harassing me with phone calls ( I have told them multiple times not to call me again, to stop harassing me, just today, I have received three phone calls from them ) ... I am working with a gentleman called XXXX at XXXX who has been trying to help me ... .but nothing has been done yet. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/2020, I filed a dispute with Equifax about the unverified account : XXXX XXXX   account # s XXXX. I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. I disputed the same account with XXXX credit bureau in XXXX and it was deemed unverified and XXXX removed it from my credit files in XXXX of 2020. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you

Company response to consumer: Closed with explanation