BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: Universal Recovery Corporation
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Universal Recovery Corporation had called and left me a voicemail on XX/XX/21. Not thinking anything of it because I was never sent any notification of this debit I didnt call them back. I was curious the next day to see what this was about I called them back and the representative, XXXX, was very demanding stating they sent a letter to an address that I have not lived at in 2 years. I asked for them to send me correspondence of this debit and she refused to stating no letters will be sent. I said until proof of this debit is either mailed or emailed to me I will not be paying it. I called back and asked to speaker to a supervisor and left a voicemail for XXXX with no return phone call. I then had called again today XX/XX/21 and spoke to a representative by the name of XXXX and asked again for proof of this debit to he mailed or emailed to me because I never received any notification of this debit. He stated again we will not be sending any letters regarding this because it was already sent to the XXXX address. I said I have not live there in XXXX years so until I can be sent proof of this debit of {$150.00} I will not pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Received bill for tolls by mail. The bill showed me as a class 1 vehicle in one direction and a class 4 vehicle in the other. I was in a class 1 vehicle in both directions. Same vehicle, same license plate as shown on the bill. I notified XXXX XXXX and XXXX authority by mail and included payment of the corrected toll by postal money order. They ignored my notification and continued to bill me the additional money adding on fines as they went. They gave the account to Transworld Systems in XXXX OH. I sent them all my paperwork along with a letter outlining the problem. They have ignored my proof of payment and continue to bill me for the extra toll and fines. 
I think XXXX XXXX is acting in a capricious and arbitrary manner, ignoring my proof of payment. I tried to file a complaint with the XXXX  but was turned down, as it is outside of their ability to address a concern with a state government agency. I am attaching my correspondence that is dated and speaks for itself. 
Thank you in advance for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The following items are reporting inaccurately to my credit report on XXXX XXXX and should be removed. XXXX XXXX XXXX -Never late/Balance incorrect XXXX XXXX XXXX-Never Late/Balance incorrect XXXX XXXX XXXX-Never had an account or contract with this company XXXX XXXX XXXX-Never Late/Incorrect Balance XXXX XXXX-Incorrect Balance The following companies have pulled my credit and have not had authorization to do so. I have reached out to each company and they can not provide written proof of a signed application to authorize the running of my credit. <P/><P/>XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-11-14
Company: Utah System of Higher Education
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In the summer 2016 XXXX XXXX closed it 's doors while I was going to school. I had gotten student loans from XXXX XXXX and was told because the school closed those loans would be discharged. I followed XXXX XXXX 's instruction and was denied. They told me i was denied because the loans were in use with another school, XXXX XXXX XXXX XXXX, the school I go to now. However, because XXXX lost its accreditation no school i found will take XXXX credits including XXXX. They first claimed the loans were knew and only for XXXX however I got the loans three months before I even enrolled in XXXX. They said they made a mistake and told me to resubmit my paperwork and they 'll take care of it. Something I sent along with my forms were documents from XXXX that they did not receive XXXX transcripts and if they did n't they would n't be able to use them because of loss of accreditation. This was about 4 months ago and I still have heard nothing from XXXX XXXX and after checking my account the balance is still there. This process has been nearly a year. I feel like I 'm being scammed by XXXX XXXX, should this take this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Credit Corp Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I currently have a pending warrant in debt with a company that is not listed on my credit at all. I have checked all three and nothing matches, not the account original holder, amounts or even the collection agency. I believe this to be deceptive. I do not even have an address for the collection agency. I currently have attorney information and a statement. Looking at my credit reports the original creditor is not even listed in any form. The amount of the debt listed on the warrent is XXXX. The attorney is listed as XXXX XXXX XXXX, XXXX. located at XXXX XXXX XXXX XXXX XXXX, VA XXXX stating under oath that i have an open/active account with Credit Corp Solutions INC . Breach of contract with XXXX, but nothing anywhere else.. How am I to obtain any information when none exists? How are they an owner of an account that is not being reported and I have no other information on?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: NCB Management Services Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Bought a vehicle back in XXXX under XXXX who recently has a class action lawsuit. The vehicle was repossessed in XXXX  and I have been trying to dispute this off my credit because it has been sold to different collection agencies. This bank was taken to court and under the class action lawsuit even though the vehicle was sold they are supposed to take care the deficiency of the balance to XXXX $ I demand this be taken off my credit report attached is proof its supposed to be off my credit. I am being over charged with fees seems every week or month!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I took out a loan with Navy Federal Credit Union when I was in the XXXX XXXX and lived in XXXX XXXX XXXX. I was medically XXXX and on medical leave and moved to XXXX. I never received any notice about this debt or an attempt to collect. As you can see on the XXXX  court system they have the wrong address and an employer that I only worked for very shortly ; my father just went to sell a pIece of property and they had attached a judgement that I had no idea about to my fathers property. That isnt even in my name. For the wrong person and social. This loan is from XX/XX/XXXX. I have never received notice or communitcation in regards to this debt and was only just made aware when my father called and told me NFCU attached a lien on his personal property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was impacted by 2 CA wildfire national disasters, one in XX/XX/XXXX & XX/XX/XXXX. I have been requesting disaster assistance but have not been told I can not apply for disaster assistance, but to apply for a modification. I was told that if I submit all the documents, my sale date would be postponed while my documents are reviewed. I submitted all te documents within the time frame-but the sale date has not been delayed & I have not been able to discuss my options with a representative. I am also concerned bc of a transfer date error by caliber, which caused delays in my obtaining assistance from the correct servicer, please see attached documents, since my loan was transferred during the disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: MA
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:
Hi XXXX XXXX XXXX XXXX ; Credit Reporting Agency ; Experian, XXXX XXXX ; Listen, it's impossible that you continue to report this account with multiple inaccuracies on payment history from XX/XX/XXXX to XX/XX/XXXX for 30 days late every month. Impossible that you can honestly say that you verified. I've contacted everyone and done several types of research, as I was NEVER late during those times, and you simply replied that it's " accurate & verified '', and that means that you breach my privacy under the provisions of FCRA. It's impossible that different credit reporting agencies report different dates of being late. It's so inconsistent on the way it's reporting! Again, I was shocked when I reviewed my credit report today and found those late payment remarks on 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 2017-11-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my Credit Report and found XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XXXX XXXX, XXXX I wrote XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
SYNC/CARECREDIT received the certified letter on the date of XXXX XXXX, XXXX. 
XXXX responded on the date of XXXX XXXX, XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, XXXX XXXX XXXX XXXX XXXX And further state that they can not delete or modify the status as it reported. 
XXXX sent another letter in response to the first letter. XXXX also states that the account in question was sold to XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. 
XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XXXX XXXX, XXXX I wrote another certified letter to XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX received the second certified letter on the date of XXXX XXXX, XXXX I never received a response to the second certified letter. 
On XXXX XXXX, XXXX I pulled my credit report to find out if XXXX had marked my credit report as disputed. And found that XXXX had not marked my file as disputed, and as to this day of XXXX XXXX, XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX on that date of XXXX XXXX, XXXX notifying XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XXXX XXXX, XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX received the third certified letter on XXXX XXXX, XXXX And yet again XXXX has failed to respond to the certified letters I have sent to them.

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 2017-07-10
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: Their investigation did not fix an error on your report

Complaint:
Contacted credit bureau by certified mail, XXXX XXXX, 2017, disputed a bankruptcy XXXX reporting on credit bureau. Was advised that the dispute was investigated by XXXX. <P/>However, there is no proof of the investigation and I have contacted XXXX Consumer Center and US Bankruptcy Court and was advised that information has not been verified through either agency. XXXX advised file is sealed and no information has been verified to XXXX or Experian. US Bankruptcy Court advised that they do not verify any information to third parties. <P/>Bankruptcy has not been verified or validated. Further, I was sent a response within 5 days and it is highly unlikely that of the thousand requests, my dispute was investigated and verified in that time frame. I requested proof of the investigation and did not receive any.

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 2017-07-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I purchased a home at XXXX XXXX XXXX XXXX in XXXX, Maryland XXXX. This was my dream home and I had no intention of ever moving again. Unfortunately, my dreams were short lived and shattered. First the title company failed to inform me that that would be an additional XXXX County tax added to my regular property taxes after a period of one to two years into the mortgage. When this additional tax was added to my mortgage, I could no longer make the payments and fell behind in my payments. In XX/XX/XXXX CHASE proceeded to harass me with foreclosure notices, even calling me on Sundays threatening me. I pleaded with CHASE to help me remain in my home. Finally, CHASE said they would consider a modification to my loan but I would need to submit {$3000.00} in order for them to do the modification. I only had {$3000.00} because I had recently had to pay funeral expenses for both my mother and grandmother. Although this was all the money I had, I was happy to send it because I assumed CHASE was going to help me remain in my home. I was sadly mistaken. CHASE notified me that they were not doing the modification, kept my {$3000.00} and WENT UP ON MY MORTGAGE BY {$10.00}. CHASE NEW IN ADVANCE THAT THEY HAD NO INTENTION OF MODIFYING MY MORTGAGE AND YET TOOK ADVANTAGE OF ME BY REQUESTING AND KEEPING MY {$3000.00}. I FEEL CONFIDENT THAT CHASE HAS DONE THIS MANY TIMES TO VULNERABLE HOMEOWNERS. I SEE CHASE AS A CORRUPT, GIANT, FINANCIAL BULLY THAT NEEDS TO BE BROUGHT TO JUSTICE. I recently found out that banks do not lose money when homeowners default on their mortgage loans as banks have insurance on mortgage loans. This means the bank is paid twice for a home, once from the insurance company, and then again from situations like mine, where I was able to successfully complete a short sale. A realtor suggested that I attempt a short sale to prevent having a foreclosure status listed in my credit report going forward. Sadly, this is what I did, and was able to sell the home for an amount that Chase accepted. Losing my home defeated my spirit and broke me as a person. I still have not recovered from my loss and I know I never will. I became ill shortly after the short sale with XXXX XXXX XXXX and was forced to retire, live on a monthly benefit payment, move into rental housing that I absolutely hate. CHASE should not be allowed to get away with this crime. I literally was robbed of my home as CHASE could have helped me remain in my home. They knew before they took my money that they had no intention of granting a modification. How many others, like me have had to be treated this way. I just can not believe CHASE should be allowed to treat me and others this way. CHASE should be brought to justice. Please help me to remedy the disservice CHASE did to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Address XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX ga XXXX and XXXX XXXX XXXX XXXX ga, or XXXX XXXX XXXX XXXX ga, or XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ga or XXXX XXXX XXXX XXXX ga ... ..tittle exam in year XXXX and XXXX XXXX on up to XXXX. It end tittle exam on all these companies properties .I am owner and co owner of all the businesses and properties in this text. By way of beneficiary heir. From the old owner XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, is someone steel my id .my ownership too all of this was due back in XXXX of XXXX. ownership pass due. Please give me CPA accounting. With my deeds too the businesss and bank account as well ... .XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is trustee .to this businesses estate .but the 20 years is up and over. I am make a legal claim too my businesses .the IRS sending me my tax return says I got too pay taxes sense XXXX. Pass due I can go too jail. And y'all too .so let not go there .let 's get this done. Just give me my company and bank account. XXXX XXXX known too the government by address on file. XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX ... ... ... ..I also am requesting a hotel out of the business into all said information is handle rite .I got to get housin the house I'm in is run down .please have the agent in my company too contact XXXX XXXX  hotel downtown XXXX  ga or city of XXXX ga. Have them too give me a for life estate lease. If not XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ga. I am the beneficiary employer of this company XXXX XXXX XXXX... XXXX XXXX stop decrimantion on me too abuse me call me names retaliation and word like XXXX XXXXor mis treat me because I am not in XXXX religion group .all of this is decrimantion .now if my company has been XXXX XXXX by I'd fraud and theft .please let me now so I can send the police too the location of the fake me .my stulims ckeck go into XXXX XXXX bank. All my id is XXXX  XXXX XXXXXXXX bank and XXXX XXXX XXXX XXXX XXXX ga. I am not in a nother place but here .please get a hold of the companies agent too grab me a room .hotel .it cold in this house I don't want too get sick .thanks ... ... .owner date for XXXXXXXX XXXX XXXXs XXXX 120 years ago .owner co owner of XXXX XXXX foundation as well. I am owner of various of businesses .if someone is say they me. Do a credit report .or ckeck they id .I should say my id and house I'm in here XXXX XXXX said XXXX He is not management of this estate. Somebody took his id too .I don't no. Ckeck it out all of this information thanks... ..up top .year XXXX XXXXon all the business .tittle exam year ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: MO
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:
On my experian credit report dated XXXX I have 3 collections accounts as follows XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX {$970.00} Balance updated XX/XX/2020 .... 

XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX BILLING {$66.00} Balance updated XX/XX/2020 None of these accounts are listed as medical debt, they are listed as collections, XXXX XXXX XXXX is listed as a charge off account and on XXXX   credit report has the account listed as a profit/loss writeoff

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