BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-08
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting in XX/XX/XXXX and thru XX/XX/XXXX, Homepoint erroneously ACH a greater amount ( {$420.00} more ) than the agreed mortgage payment. They said it was to purchase Lender 's insurance due to our failure to provide evidence of coverage. It has come to light that they made an error. Their insurance department had confirmed that all the paperwork was in order, and there was no lapse in coverage and it was the mortgage 's company 's error. Over a period of 6 months, they withdrew {$2300.00} from my checking account, and after admission of their mistakes, they finally refunded me {$1300.00}. They still owe me {$1000.00}, which I once again contacted them. Homepoint acknowledged that this {$1000.00} was due to a lender 's policy for XX/XX/XXXX they bought under the wrong account in error. Every time I call, I had to recap the issues over and over again and kept getting the run around. I finally spoke with XXXX who is a supervisor at ext XXXX and he said that the company that they no longer work with the company whom they purchased this policy from and that it may take a while to get the money back on my behalf. This is clearly an error they made and should return my money while they try to recoup. Why should I be the one out of pocket for their error? I demand a refund of the {$1000.00} that I am owed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: LA
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:
Contacted Experian, XXXX, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-10-24
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and saw that there was a debt in collections. I have never received any mail correspondence, phone call or anything regarding this debt. I am unsure of why it is on my credit report and no one has even contacted me about it. When talking to the company representative and then a manager. They offered me no resolve and told me there was nothing I could do but pay the debt. They have reported it to my credit and that is not fair that no one, not even the company that states I owe a debt has contacted me regarding this debt. The company is called Sequium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I started an investigation of my Navient account with all three credit bureau, because XXXXis saying my student loan is paid in full. However XXXX and XXXX are stating theaccount is not paid, above all the Navient account has been paid off since XX/XX/XXXX oflast year. Since then I have contacted my lender who states they can't control what the bureauare reporting and that I need to talk them. This limbo between the bureaus and my old lenderhave gone on for a while now and I keep requesting investigation but they are not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reached to Transunion at the beginning of XXXX of this year in regards to to Several accounts appearing on my credit file. Some of the accounts have been removed but one in particular still remains ( XXXX XXXX ). I've completed my report through the Federal Trade Commission which included this particular account as well. I never recall opening or establishing any account through XXXX XXXX XXXX or XXXX XXXX XXXX Both Transunion and XXXX XXXX has been notified of the inaccuracies but yet this account still remains on my credit file to date. It has been well over 30 days an neither Transunion or XXXX XXXX has responded in regards to this matter. Under the Fair Credit Reporting Act this account should not be reporting on my credit file and is a violation of my consumer 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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above is reporting a credit inquiry dated XX/XX/XXXX and XX/XX/XXXX. I called and spoke to there rep XXXX ID # XXXX and she indicated that my information did not match what she showed in the system and that it appears to be fraudulent.

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 2019-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a CapitalOne Platinum card where I have a $XXXX minimum payment due each month that I had set to be automatically paid from my bank account each month. I had this set up when I first received the card. Upon moving to my new house, my billing information and address changed which messed up my automatic billing and all communication with the company via mail. I do all of my communication with the credit card companies through the mail and this is how I check the amount of money that is due on my card and if my payments had successfully gone through.  Therefore, relocating to a new address caused my automatic payment to fail which caused me to be delinquent on my CapitalOne Platinum credit card account for the month of XX/XX/2018. Not knowing that my automatic payment was messed up caused this issue and it was compounded when my address change caused the mail that the company was sending me to go to my old address. This cut off all communication with me and the company and I was unaware that I was missing a payment until an associate at CapitalOne called me in XX/XX/2018 to let me know that the account was delinquent. I then immediately made the payment that I was owed to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past two months American Express has made repeated calls ( 8-10 per day ) often at XXXX XXXX to a number that I have expressly told them not to call. They also employ a collection agency to call and attempt to collect on the same debt causing even more calls to come in. I have attempted to schedule payments and between the two companies there is no communication so the payments were never drafted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
I've sent several letters to XXXX & Experian regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report they state that "public record items XXXX obtained from the local, state, and federal courts through a third party vendor, XXXX. I don't see how they can have anything on my credit report from a "third party". Also, I recently received a response from XXXX dated XX/XX/XXXX stating they once again verified a Bankruptcy after I sent them another letter on XX/XX/XXXX. ALL of this seems that they are committing fraud by giving false information. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my XXXX account since XX/XX/XXXX. SO HOW is it that XXXX and Experian said they verified this information with XXXX since after XX/XX/XXXX??? I find that the lies and these practices are illegal and I'm suffering from the credit bureaus not following the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

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 2017-08-08
Company: Ad Astra Recovery Services Inc
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: Account information incorrect

Complaint:
Ad astra is reported incorrect information on my account i dont owe them any money and they refuse to remove from credit report. They refuse to provide proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to Portfolio Recovery in XX/XX/2019 to request the removal of this collection account from all 3 credit agencies after completing a 3 month payment plan. They agreed to this on a recorded line twice. During the original conversation, the agent read a script to me that stated that not only would this account be removed but all accounts under my same name and information. The final payment was completed in late XX/XX/2019. As of today XX/XX/2019 the account is being reported as settled, but not removed as we had originally agreed upon. Also, since contacting them, they are now sending me collection letters for my deceased father.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Accts # XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00} I have received your mailed in Medical Statements including PERSONAL HEALTH RECORDS of this individual. You are in direct violation of HIPPA. PLEASE ALSO ATTACH COPIES OF : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XXXXXX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent account open with the XXXX XXXX XXXX on XX/XX/XXXX the XXXX XXXX   XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: Credit Control, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1 ) Credit Control LLC of XXXX FL sends me mails to settle an alleged XXXX XXXX  credit card account that I never signed up for.

2 ) XXXX XXXX is billing me fees for a XXXX XXXX credit card I never signed up for.

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 2017-08-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I had a bankruptcy in XX/XX/XXXX. This bankruptcy was discharged 9 years ago. I have attempted numerous times through XXXX and Equifax to have this removed from my credit reports and both XXXX and Equifax refused to remove this past bankruptcy. The most recent dispute that was declined with XXXX was XX/XX/XXXX and the most recent for Equifax was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan modification with XXXX # XXXX and they sold it to Shellpoint account # XXXX, Then Shellpoint is now claiming they are not honoring the modification after I had made 8 months of scheduled and timely payments, they are reporting all payments as delinquencies! the Credit Agency has me with 8 delinquencies and the new loan company will not approve the new Mortgage until all of the Delinquencies are removed! My home will be sold off according to Shellpoint! Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage has mishandled the money in my impound account. 
The defaulted on my rental property insurance policy payment causing the insurance policy to be cancelled. 
The insurance policy went for 6 months without payment.

I had insurmountable trouble getting this resolved with UWM including being lied to, hung up on, and disconnected. 
I finally contacted my mortgage broker and he got an email address for me that someone answered. 
In the emails, I was lied to several more times including blaming my insurance company, and promising to overnight payment. I realized that they were stalling and double talking me. 
I was also messaged from them in my secure message center (??!! ) ( no direct contact to me ) that they were increasing my impound account due to a shortfall! 
My insurance broker informed me that my insurer, XXXX, would no longer insure the property due to the 6 months of default but my broker found another company who would take the policy. 

I immediately paid for the new policy out of pocket since my property had not been insured for 6 months ( unbeknownst to me ) and I can not trust UWM. 
It has been over 24 hours since I have had any correspondence from UWM and I am pretty sure that no one is going to contact me again to resolve this. 
I would never be late on my payments but they were late and they took money from me with the promise to pay! 
Besides the fact that no one will talk to me on the phone and my emails are unanswered, I can no longer access my secure message center in order to download the proof I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In the process of purchasing property and preparing for the closing we received an email instructing us to wire our portion of funds so the closing will not be delayed.  We discovered that the person who is named on the wire nor the bank is not associated with the Title Company we have been dealing with.  We wired over $22,000.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CORELOGIC INC
State: GA
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:
These credit inquires are unauthorzied and needd to be removed from my credit report immediately.

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 2017-08-08
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Back in XXXX 2017 I decided to try and get into a payment plan to pay a certain amount of principle on top of interest. My loan servicer is Nelnet. I really had n't made any payments to this point but I have a good job now and wanted to start paying it down with the hopes of one day not owing. Nelnet at the time told me that I was in a " Income based repayment plan '' but I owed so much in back interest that I had to pay that off first which amounted to roughly around {$15000.00} on top of my regular principle and interest payment. So they stuck me in another IBRP but the interest was not rolled in and my payment did n't pay off any of the principle I just would have to pay and keep re-certifying with the hope that after 25 years my loan would be forgiven and that on top of that interest {$14.00} was accruing per day compounded daily. So I really had no hope of ever paying anything off. But I then found out I could capitalize the interest accrued and the principle combining it into one sum that the principle and interest payment at 6.375 % would only be {$30.00} more a month. I asked why this was n't mentioned to me earlier but I said OK combine them and I would like one P & I payment to commence immediately. The individual did that but instructed me that I had to go into forbearance for 60 days that it was required by law. So I said OK and my first payment showed due XX/XX/XXXX back in XXXX 2017. So when I went to schedule my first payment they showed I was backlogged another {$1400.00} in interest which was also accruing {$14.00} per day compounded daily. So with waiting to pay i 'm further down the rabbit hole AGAIN with interest before I can pay principle. The whole purpose was to have a payment that included principle and interest and I was willing to pay extra to pay it off earlier and I feel I was mislead on this immensely. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TCF NATIONAL BANK
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We were about to sign for our TCF Bank HELOC when we received this email message : " TCF Bank has made the decision to prioritize all purchase and refinance transactions that are currently in the banks pipeline at this time. When capacity allows, TCF Bank will change focus on closing your HELOC transaction. We understand that may delay projects you had planned, but we are fully committed to continue on working your application for you as soon as possible based on our capacity. '' My loan was in the pipeline long before other loans that are being prioritized above my loan. They are now telling me that our loan will not close until sometime in XXXX. I believe this to be an UNETHICAL practice and would like to be advised as my best course of action.

Company response to consumer: Closed with explanation