BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: EQUIFAX, INC.
State: SC
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 received a summons and complaint served to me on XX/XX/XXXX. I went to see an attorney and showed him the paperwork and informed that I never opened up any credit cards. He helped me answer the summons and we asked for verification of the debt they alleged I owe. First off the company that served me was a collection agency called XXXX XXXX. The company sent me what they claimed to be verification. I received an electronic billing statement that contained my name, address, and a partial account number. When they filed suit they did not attach the original contract from the credit card company which is required by law and called the attachment rule. XXXX XXXX also sent me an affidavit which states they bought a pool of charge offs, nothing specific to me. Also the bill of sale affidavit was not based on personal knowledge it was based on computerized books and records and not attached to the affidavit. I took everything to my attorney and we were prepared to request a jury trial. When I went to submit my request, I was informed that XXXX XXXX attorneys requested a dismissal without prejudice. They never even informed me. 

I called XXXX  and informed this very nice representative everything that I stated above. She helped me to place a fraud alert on my files and helped me to dispute all the other accounts that XXXX had illegally placed on my credit file. The company is a fraud and should be blocked from placing these bogus collections on credit reports. The information that they report back to the credit bureaus is inaccurate and misleading and they are purposely destroying consumers credit. Well I am here to expose their wrongdoings and their I unwillingness to request removal of these items they know they are not able to properly validate. When an item is disputed with this collection agency they send the same generic letter which validated NOTHING, then they electronically report back to the bureaus that their information is accurate when it is not. Please see every letter attached and proof that this company is a FRAUD and is non complaint with the law and refuses to follow the rules and laws outlined by the FDCRA. 

I also will be taking them back to court for damages to my credit report and their refusal to remove their accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
I have notice that the report for my credit has bwwn off trwxk. Sknce XX/XX/XXXX up until present time i have nevee done anytjinf on my ceedit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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:
Inquiry information is incorrect. The only inquiries that belong there are from XXXX XXXX XXXX and XXXX XXXX  company.

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 2017-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates ( Hereafter PRA ) and I came to a settlement agreement on an account on XX/XX/XXXX. They emailed me the settlement agreement, and I immediately paid the account upon receipt of the email, during the same telephone conversation. I then initiated disputes with the 3 credit reporting agencies on this account. 

On XX/XX/XXXX I received the results from my dispute with XXXX on this account. XXXX was updated by PRA to show that it was still an open account with the balance reduced from the initial {$1200.00} to a new remaining balance of {$360.00}. The amount of settlement agreement was {$850.00}. Using rounded numbers ... XXXX. 

Rather than updating the account as settled or closed, PRA now lists the difference between the full balance they initially requested and the amount agreed upon by settlement as a past due with balance remaining. 

PRA can not claim ignorance as I made the payment in Lump sum. They chose to validate my dispute with the CRA to the balance remaining. 

When I contacted Portfolio about these issues, the initial customer service person I spoke with stated that it was correct, but after I persisted transferred me over to the disputes department. The gentleman there told me to call back in a few days after they had a chance to investigate it. I will follow up later, but it should never have been an issue as they chose to update it incorrectly when it was disputed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
First week of XXXX my wallet was stolen and my identity was used to attempt to get a PayPal Credit account. I received a letter stating that I attempted to get a PayPal Credit Account and was refused. I am in no need of an account and I just wanted to report it. Thank you for your time. Reference # 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 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My identity was compromised while I was oversees XXXX in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XX/XX/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 2017-11-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX HAS LIENED MY PROPERTY WITH JUDGMENT OF THE DEBT THAT WAS INCLUDED IN THE BK AND AFTER BK WAS DISCHARGED. MY NUMEROUS ATTEMPTS TO HAVE THEM REMOVE THIS LIEN WENT INGONED. NOW THAT I 'M SELLING MY HOUSE, TITLE COMPANY REQUESTED A LIEN RELEASE INSTEAD MIDLAND SENT THEM A PAY OFF DEMAND FOR {$8200.00} FOR THE DEBT THAT WAS INCLUDED AND DISCHARGED IN BK ( SEE ATTACHED PAY OFF DEMAND FROM MIDLAND ) WHO AKNOWLEDGED THE FACT OF BEING NOTIFIED OF MY BK HOWEVER, STILL DEMANDED TO BE PAID ON THIS DISCHARGED DEBT WHICH I FIND TO BE A VILATION OF FAIR DEBT COLLECTION PRACTICES ACT! TITLE COMPANY SENT IN THE CHECK BY MISTAKE BUT MIDLAND DID CASHED IT NOW IS REFUSING TO REFUND THE MONEY THEY ILLEGALLY COLLECTED IN FIRST PLACE. MIDLAND VIOLATED FAIR DEBT COLLECTION PRACTICES ACT AND US STATES BANKRUPCY CODE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I decided to refinance my FHA loan with Bank of America to take advantage of the much lower interest rate and to eliminate the PMI. The whole easy process was completed on XX/XX/2015 and everything is fine until recently I found out someone have recorded a grand deed attempting to change the title of my property. A grand deed was submitted a year later in a attempt to change it into a community property. This was all completed without my permission or even having knowledge of it. I'm glad the Assessor 's  office was able to void the transfer when it was submitted to them. Is it normal practice to modify the title of the house during refinancing? I assumed that ownership are left alone as original during refinancing. 
My mortgage account # XXXX Property address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX My Full Name : 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 explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$220.00} XXXX XXXX {$110.00}

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 2020-10-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked each credit reporting bureau Experian, XXXX  and XXXX  to please remove address XXXX XXXX XXXX XXXX XXXX XXXX from my credit file because I am a victim of XXXX   XXXX and I am currently at risk of being targeted again because of addresses being reported without my consent. I did not authorize any company to report any physical addresses to my credit report because I am in definite fear for my life and my family.

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 2020-05-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have ( 2 ) VA XXXX Loans serviced by Carrington Mortgage Services. We were current on our loans prior to the GA Governor issuing a " stay at home '' order. I have requested Covid-19 assistance from the servicer with a 3 month forbearance multiple times. The requests were made XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have made the attestation that we have been impacted by the Virus as required by the Cares Act. They have charged late fees and are now requesting a 6 page application be submitted along with a tax return, paystubs, and bank statements to even consider offering any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, 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:
show tooltip button XXXX  XXXXDispute XXXX  XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute ftc file number attched with the violations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Experian Information Solutions 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:
My Identity has been compromised and misused for the benefit insurance mobile and auto fraud applications. As a result of these acts I have suffered significant blows to my credit reports that need to be investigated and corrected 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 non-monetary relief
Consumer complaint received 2019-04-29
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I seek your help to reduce a debt that has burdened me for 17 years and threatens to burden me for at least ten more my federal student loan debt. I graduated from XXXX College in Maryland in XXXX and in XXXX, began repayment of my XXXX XXXX XXXX Federal Direct Loan with a combined principal of {$44000.00}. In spite of making timely payments for the past SEVENTEEN years, my current principal balance is only {$35000.00} ( as of XX/XX/XXXX ). 

That is a difference of a mere {$9100.00}, or {$530.00} per year for each full year of my payment history. By contrast, I have paid more than {$2500.00} per year. 

Since XX/XX/XXXX, I have worked at a major nonprofit institution in XXXX. Although my employer is a qualified employer under the Public Student Loan Forgiveness Program and I made uninterrupted monthly loan payments during the qualifying period, this is not enough. In an email dated XX/XX/XXXX, I received notification that I do not have any qualifying payments because my repayment plan type is graduated rather than income-driven. The notice explained that I could convert my loan to an income-based option and work another ten years to receive forgiveness. I am a single woman and can not afford to almost double my monthly loan payment under the income-driven plans. 

I was encouraged recently to learn about the Temporary Extended Public Loan Forgiveness Program and quickly requested reconsideration. I understand that the program is for persons who were denied PSLF due to the wrong payment plan and assumed I had a fair chance at loan forgiveness. However, in an email dated XX/XX/XXXX, I was again advised that I do not meet the qualifications because the amount I paid in the 12 months prior to applying for TEPSLF was not at least as much as I would have paid under an income-driven plan. My current monthly payment amount is {$190.00}. The monthly income driven payment amount calculated by Fed Loan is {$380.00}. 

I beg of you, how could I have reached this amount if I was under the graduated repayment plan? This criterion for the TEPSLF continues to punish persons who have been paying faithfully and serving our communities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$220.00} XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: GVA Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted by a company that said they were paralegals and was told I owe XXXX dollars for a loan taken out in 2015 when I offered to settle the debt for XXXX I was transferred to an underwriter asking me if I was ready to go to court and said that the local sheriffs office would be there to escort me to court. I panicked and set up an arrangement to pay. I was then transferred back to an XXXX XXXX to give them a credit card. When I gave him the information he had to run to his accounting department to run the payment. ( He actually put me on hold and ran the info down there ) Im worried because that company is no where to be found on XXXX search.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am default on the Mortgage Payment 4.8 month. the break down is as follows : XX/XX/XXXX {$1100.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} _________________________________ Total Balance Due : {$7100.00} _________________________________ I send two partial payments that total more than the outstanding balance due. 
1st Partial payment : {$4200.00} Received by Ocwen ( XXXX XXXX ) XX/XX/XXXX 2nd Partial payment : {$3200.00} Bank Check Received by Ocwen Express Mail _______________________ on XX/XX/XXXX. 
Total Payment Send : {$7400.00} Ocwen Decline to accept the payment return XXXX XXXX Payment ( see attached Ocwen letter dated : XX/XX/XXXX ) Ocwen Accelerated Loan the balance to XXXX. I was not offered the opportunity to re-instate the past due balance. Ocwen just referred my Account to XXXX XXXX, LAW OFFICE which fail to send 90 Notice Intent to Foreclose. Ocwen & XXXX XXXX are in partnership to cheat owners out of there home with low mortgage balance in order to make a profit and add aggressive interest on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper received my mortgage loan payoff on XX/XX/2020. Mr. Cooper was paid {$2700.00} over the payoff amount. Mr. Cooper shows this amount as an " escrow other. '' Today, XX/XX/2020, per their phone rep from Texas ( XXXX ), refunds can take up to 30 days. XXXX could not tell me when I would get my money only that it was in-process. The last refinance I did took less than a week for settled funds to be returned to me. 

Mr. Cooper is keeping customer 's money much longer than necessary and this is an outrageous practice especially when compared to other industry practice. I continue to wait for my funds. 

I hope CFPB will this issue in case this is a trend by Mr. Cooper. Mr. Cooper should not enrich themselves by keeping their customer 's funds and earning interest of these funds for longer than is necessary. I think Mr. Cooper needs a friendly kick in the pants so the company understands it should return settled funds promptly. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
Hello, I had a passed due balance XX/XX/2018 only Bank of America credit card. Ive had multiple fraud issues with BOA, and people hacking into my email and more importantly my account with BOA. Ive had to change my account and get new debit cards and credit cards which Im turn made my automatic payments late with multiple accounts. Luckily I caught all of them in time except for the BOA account. Ive never been late, Ive worked hard on fixing my credit after my BK, and now Im right in the middle of our purchasing a home and this discrepancy is causing a major issue with financing for me. Ive tried disputing this through all 3 bureaus and BOA directly but unfortunately have had no success. Please help me get this off of my credit report. Im desperate

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 2017-11-30
Company: Collection Bureau of America Ltd.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : I have been billed repeatedly by the Collection Bureau of America after the water tank had been returned. The bill states that I owe over {$300.00} and interest continues to accrue. 
I need to have this bill settled and satisfied. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation