BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill from XXXX on XX/XX/2019 for {$710.00}. I had several accounts opened in my name and knew that this was a part of my identity theft issue.I immediately called the detective handling my identity theft case so he could update my police report.I called XXXX that same day and they said they would not discuss anything with me until I had filed an identity theft report through them. I followed the steps XXXX told me to take and attached a copy of my police report. I did not hear back from them for two weeks and assumed the problem was handled until I received another bill. It took me three days and several tries to get through to XXXX because I kept getting transferred to other departments or put on hold for so long that the call would disconnect. When I finally got through to them, they told me I had submitted an incomplete police report. I knew this was not true so I asked them what information they needed on it to accept the report but they said they would not discuss my report or give me that information. I was then given paperwork from the detective handling my case to fill out. Once that was done he submitted it to them stating that they had to close this account, but they said they would not comply. I have since received another bill. I got this bill on XX/XX/2019 for {$3800.00}. I also received a letter from a debt collector on XX/XX/2019. This company is called MRS. MRS will not comply when I tried to challenge them because they said the information submitted to XXXX was invalid. I know that this is not the case because they were dealing with the detective directly. They will not cooperate when asked to provide the information needed to make the report valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I would like to have the account removed from my credit report.

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 2019-04-30
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried multiple times on their website as well as calling to make my house payments. 
After going through the touch tone menu it ends up saying their office is closed and gives the days and times they are open but it keeps saying they are closed during those times. 
also when i try to enter my loan info and pay on line it will not accept the loan info or payment attempt. They are claiming i am negative over {$2400.00} in my escrow and have raised my payment that i am unable to pay anyway ... LOL! 

They seem like scam artists trying to grab property through foreclosure especially since they recently picked up my mortgage from XXXX XXXX in XX/XX/XXXX and its been trouble ever since.

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 2019-04-30
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
i submitted a complaint previously requesting the promissory notes, if you take a look back at your response there wasn't anything attached. Please provide me with what i am asking for!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Filed a complaint last year. This is the 6th complaint regarding the same issue. The Division of child support keeps closing then reopening my case when its been closed for several years. The statue of limitations has passed since the account has been reported to be opened since 2001. Equifax has remreapoved and deleted it 4 times, yret it keeps reappearing with inaccurate information that seems to change each time I dispute it. It was removed and deleted in XXXX of this year. I filed another dispute this week since it reappeared back on my report. The number that's listed for me to call is not listed.I called a 1800 number that's a call center, so now I'm filing a complaint since this is transpiring too often. I tried uploading documents through Equifax it would not allow it as well

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
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 am a victim of Identity theft and XXXX, Equifax, and XXXX is reporting information that does not belong to me.In addition, they have not responded to my request for deletion sent via certified mail recieved by them XX/XX/2018 and XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I started payment for a automobile motor from XXXX XXXX XXXX using my USAA debit card ending in XXXX. The amount was for XXXX. I later finished payment for this motor on XXXX for a total of XXXX with me USAA credit card ending in XXXX. I have never received this motor and I have never received a refund for my purchase. I no longer wish to be a consumer in America until this matter is solved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: WELLS FARGO & COMPANY
State: MI
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:
XXXX Account number XXXX Date opened - XX/XX/2020 Balance - {$8400.00} never open this account, this account is fraud.

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 2019-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have problems with both Bank of America 's Mortgage and Banking over this.

1. Banking-I am adding extra money to may payments to pay down principal. In XX/XX/XXXX I asked Bank of America to increase my automatic payment and they did so by making multiple payments to the Mortgage. Maybe, the Mortgage reporting is the screwiest part of this. It may come back to needing a Banking transfer fix. The B of A checking is my son 's account. I am an authorized signer on his account. I do not personally bank with B of A but my son does so this is how he pays rent for the pool house studio. 
2. Mortgage. Look at this statement. My XX/XX/XXXX payment is categorized as the XX/XX/XXXX payment. What? On XX/XX/XXXX I spoke to customer service. I was told that there had been an error in this reporting and that 15 payments of additional principal, {$1500.00} was " found '' and would be applied to principal. I think that happened, but its hard to tell with how wacko this reporting is. 
3. New letter, dated XX/XX/XXXX says my new payment is {$86.00} from {$100.00}. Since when? Retroactive til when?

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 2018-05-08
Company: TRANSWORLD SYSTEMS INC
State: TN
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 had to go to a walk in clinic, XXXX XXXX XXXX XXXX, XXXX, in XXXX XXXX, TN on XX/XX/XXXX. At that time I was told by the clinic that all I had to pay at that time was {$25.00} and that they would send me an invoice for whatever the insurance didn't pay. 

Once we received the invoice, my wife called to set up payments of {$25.00} per month since our income is limited. My income has decreased by {$5000.00} over the past two years and my wife 's on XXXX. They would not work with her and demanded we pay in full. When my wife asked to speak to a supervisor she was put on hold for 20 minutes and then they hung up. She tried calling back but they wouldn't answer. 

My wife also tried calling their national office but they refused to work out a payment plan as well. 

They sent us to a collection agency and when I logged in and set up an account, I saw the amount is the same as on the printed statement. I tried to go ahead and pay on a credit card but it would not let me. The total we owe is {$110.00}. I went through the steps to pay this and when we got to the end it said I had typed in the wrong amount. They won't even let us pay in full and I fear that it will show up as old debt on our credit history. 

It has taken a long time for my wife and I to recover from a bankruptcy in XX/XX/XXXX and I don't want this hurting our credit when they refuse to take payment, even in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: GMFS, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX-Letter sent requesting PMI coverage cancelation. 
XX/XX/XXXX-Response saying my loan didn't qualify due to LTV ratio and length of loan, but I could pay {$4600.00} to reach my qualifying LTV and  they would cancel. As of XX/XX/XXXX, I started paying additional principal to reach LTV. I paid approximately {$10000.00} in principal for XX/XX/XXXX and XX/XX/XXXX, in excess of {$20000.00} and well above the {$4600.00} they said I needed to pay. 
XX/XX/XXXX-XXXX  to XXXX  at customer care to confirm that my PMI would be canceled XX/XX/XXXX as specified in my PMI disclosure form from my closing on XX/XX/XXXX. He said I can send a letter requesting this even though the disclosure states it will automatically terminate. He states that my LTV is above 80 %. 
XX/XX/XXXX-Spoke with XXXX  ( not a supervisor as I requested ) She states that my LTV is at 74.61 % and the PMI should be canceled but I need to send a letter. 
XX/XX/XXXX- Spoke with XXXX and he insisted I have to send a letter and pay for an appraisal since I've paid extra principal!! He confirmed that my LTV ratio is at 74.61 %. 

I have sent numerous letters and I have a PMI disclosure document that states it will be automatically terminated onXX/XX/XXXX as long as we are current on payments ... .we 've NEVER been late and we have excellent credit, scores are in the 800 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I contacted the CitiMortgage ( CitiBank ) in XX/XX/XXXX and was given the payoff amount to pay my loan in full ... see attached ... {$5800.00}. I was told to pay it by XX/XX/XXXX. I paid it on XX/XX/XXXX through my bank debit and that evidence is also attached. I received a statement dated XX/XX/XXXX and then one XX/XX/XXXX indicating I owed additional money - both contradicted each other and indicating I didn't pay until XX/XX/XXXX. I have evidence I paid in XX/XX/XXXX so called and asked what happened. I spoke to one person early XX/XX/XXXX who stated they showed I hadn't paid until XX/XX/XXXX and I would have to prove otherwise. They made it obvious Citi had failed to process timely. I received my impound funds late XX/XX/XXXX in the amount of {$1500.00} and they withheld {$430.00} as an escrow adjustment because they said I paid in XX/XX/XXXX. I called and talked to XXXX on XX/XX/XXXX and she agreed I paid on XX/XX/XXXX ... Citi 's  mistake ... and I would get my refund by XX/XX/XXXX. Nope. I called again and they hung up on me. I filed a complaint with occ.treas.gov Case # XXXX on XX/XX/XXXX and just found out today they referred the case to your organization on the same date. I talked to XXXX today ( XXXX was no help as she promised send an email but did not ) and she indicated there was no case and I would have to refile. In addition, Citi promised they would send a conveyance document to the County of XXXX so I could get my deed. I paid for this service. As of today 's date, this has not been done. I wonder how many other people have been ripped off by Citi? I volunteer my services to audit this organization 's books. I have the credentials.

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 2021-11-29
Company: Experian Information Solutions Inc.
State: PA
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:
This account XXXX  ( XXXX ) list on my credit report has been cancelled. The bank issued a XXXX form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
ON XX/XX/2020 I spoke to a Capital One representative regarding my account and my inability to pay the minimum amount due to COVID. I was told by the account representative that she was going to put me in a payment program of {$200.00} a month for the life of the balance. After paying the {$200.00} I was told I was past due. I reached aback out and was told that there was no program of the sort. I escalated the issue to senior management which took several months and several months of receiving late payments ( which they still have no fixed for my credit score ). I was told at that time that if the agent said that they would have to honor it. Well i was contacted by a manager and was told that I was correct and the agent did in fact say that ( they then waived all late fees ) but was told they still couldn't put me into a program even if it was one the agent told me. I called again today to see about the program and they gave me no options just that there is no program available and they wont honor the one the agent told me about. They are abusing their power and should be held liable for promises that there agents make that they do not honor, especially when it can be proven. I asked to speak to another senior supervisor regarding this and they wouldn't let me because " I already spoke to someone about this '' so not only will they not honor the program but they wont even communicate with me. The conversation was done by chat so it should be easy to pull up if they haven't altered it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29
Company: Crossroads Systems Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX an application was filled out and processed with XXXX XXXX for a XXXX loan, On XXXX I received a XXXX with the lender being listed as Capital Plus Financial, I was informed that I was approved and it would take up to 7-10 business days to fund the loan from the date of the completed XXXX. I am filing this complaint in accordance with the Truth In Lending Act & Federal Consumer Protection laws Title 15 chapter 41 section 1692 and Fair lending act 15 U.S.C. 1691 et seq. I have not been funded and the lender is unresponsive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Corporation ( PHH ) conspired with my XXXX XXXX XXXX ( XXXX ) XXXX to steal my {$250000.00} co-op unit with an {$85000.00} XXXX XXXX backed mortgage and knew that XXXX unlawfully seized my co-op unit onXX/XX/XXXX. XXXX did not have a warrant or judgment in violation of Recognition Agreement which was signed by PHH, XXXX and me. XXXX claimed that it unlawfully seized my co-op because I did not pay {$8100.00} in alleged past due maintenance. PHH was under contract to intervene, pay past due {$8100.00} maintenance if necessary or sue XXXX board for violating the Recognition Agreement. Instead of enforcing the Recognition Agreement or Loan Share Agreement with XXXX XXXX, PHH did nothing to help me get back my co-op unit and worked with XXXX to make the theft of my co-op unit permanently. 
On XX/XX/XXXX, PHH and XXXX tried to sell my co-op unit in a private sale. 
From XX/XX/XXXX through XX/XX/XXXX, PHH in violation of our Recognition Agreement reported my mortgage late to credit card bureau knowing that I did not live in my co-op unit, was being illegally barred from my co-op unit by XXXX since XX/XX/XXXX to damage my credit. PHH refused to allow my mortgage to go into foreclosure to cover-up the crime committed against me. 
On or about XX/XX/XXXX, XXXX notified me of illegal sale of my stolen co-op unit on XX/XX/XXXX, and surplus {$100000.00} put it in XXXX XXXX XXXX of New Jersey. 
On or about XX/XX/XXXX, PHH sued me in case XXXX XXXX vs. XXXX XXXX which PHH was not a party for the entire {$100000.00} to circumvent mortgage foreclosure laws. According to my XXXX for XX/XX/XXXXmortgage statement, I still only owed {$85000.00}. On XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX opposed PHH Motion. PHH hired new attorneys and put through the same lawsuit in XXXX XXXX on XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX XXXX opposed its motion. 
On XX/XX/XXXX, I received a letter from PHH claiming my mortgage was paid in full. I have enclosed a Certified Letter to XXXX XXXX XXXX XXXX XXXX New Jersey dated XX/XX/XXXX, to see PHH collected any money from my stolen co-op. 
XXXX and PHH broke into my unlawfully seized my co-op, stole all of my belongings and illegally sold my co-op unit. I did not receive a penny. 

PHH was a part of the criminal ring and continued to report my mortgage late to credit card bureau through XX/XX/XXXX, knowing that I was unlawfully barred from co-op unit since XX/XX/XXXX, and XXXX illegally sold the co-op on XX/XX/XXXX.

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