BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls me up to 2 times a day.. Monday-Friday, for the last month, number comes up as scam, sometimes leaves a message, but otherwise keeps calling ... .to many dates to type how many times they have been calling me the last month..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: The Outsource Group, 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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my dispute, I sent a follow up dispute ( XX/XX/2019 ) by means of a credit repair Organization, XXXX  has failed to respond. They have violated the FCRA in that it has been more than 30 days. Please see items below Collection MEDICREDIT 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 2018-02-01
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a home owner in XXXX Florida. My home suffered major damage during Hurricane Irma. I have a lender placed insurance policy of which I do not have a copy of. Immediately after the hurricane I contacted Seterus ( my mortgage servicer ). They supplied me with the contact information to the mortgage broker. The company 's name given to me was XXXX XXXX XXXX, with the address of XXXX XXXX XXXX XXXX, XXXX, FL. The phone numbers given to me were XXXX and XXXX. When I called those phone numbers both were disconnected with no forwarding information. I then went to the physical address given to me by Seterus and the office was vacant and had been for some time according to the building manager. I called Seterus and was given the policy number XXXX and name of the policy holder, XXXX XXXX XXXX. When I called XXXX XXXX  XXXX they told me there was no policy with that number or policy found with that name. I called Seterus again and was told that even though Seterus has a copy of my policy, they would not give it to me. I have explained to Seterus that my roof has severe damage and I still need a copy of my policy so that I may file a claim. They continue to refuse to provide me with a copy of my policy even though I continue to pay for the policy ( through escrow ). In the meantime my roof still has severe damage and I am still waiting for a copy of the policy from my mortgage servicer.

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have disputed several accounts on my personal credit report with XXXX, XXXX, and TransUnion and yet Transunion, XXXX  and XXXX  are falsely reporting incorrect information on my credit report. I have no real validation of any of the listed accounts below.There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect information that's being accepted by Transunion, XXXX, and 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 2018-11-14
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THE LAW FIRM REPRESENTING THE COMPANY JUST FILED A COMPLAINT TO FORECLOSE USING A FORGED PROMISSORY NOTE. THEY KNEW IT WAS A FORGERY BEFORE THEY PURCHASED THE NOTE AND MORTGAGE. THEY PREVIOUSLY DISMISSED THE PRIOR FORECLOSURE BECAUSE THE NOTE WAS A FORGED DOCUMENT AND THEY KNEW IT SO THEY SETTLED. NOW, THEIR LAWFIRM, KNOWING THE NOTE WAS A FORGERY, FILED A COPY OF IT WITH THE COURT AND SAID IT WAS A TRUE AND CORRECT COPY OF THE ORIGINAL, KNOWING IT WAS A FALSE STATEMENT OF FACT, AND THEY SWORE TO THAT UNDER PENALTY OF PERJURY AS THE COMPLAINT WAS A VERIFIED COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Navient Solutions, LLC.
State: VA
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:
I recently contacted Navient and requested information about how the principle and interest are being applied. After receiving and reviewing payment information ( for the last 24 months ) it appears the principle and interest applied over the last couple of years is bogus? In some months no principle was applied and just interest paid to them? In other months an average of {$30.00} was applied in principle. Navient still alleges the loan is still a 20 year loan? How can this be? This is truly unacceptable, as principle should always be applied with every payment? Also they are alleging that the federal government is setting these rules on the way payments should be set up. In addition their payment plans have become outrageous! They are now telling me my payments will increase {$700.00} in the next year or so, when I was originally told ( by another customer service rep two years ago ) my payments were already set at {$430.00} for the life of the loan? CFPB please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received any notice of debt to pay just appeared on my credit report. The amount is XXXX but I never received treatment at this facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Commercial Recovery Systems
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The previous page where you could categorize what they were doing they were doing all of those things they threatened to Sue me and said they will be serving me with a summons either at my work or home, they also called family and friends they had not sent me a letter they had been calling and harassing me after I had told them that the debt had been paid. This all originated in XXXX I had a XXXX account I never used and it was overdrawn by {$1.00} and I was never contacted by the bank so they waived all but 1 of the fees and I paid {$26.00} to bring the account to XXXX and I closed the account. Fast forward to XXXX when XXXX XXXX firm contacted me and said I owed {$210.00} for the XXXX account and with it being 9 yrs later I had no proof that it was paid so I ended up paying the {$210.00} and received a paid in full letter. Then Friday XX/XX/XXXX I received a call from XXXX XXXX XXXX. This was the first time I spoke with or ever heard anything from this company no letters no nothing and when I heard it was for the XXXX account again and they were looking to collect over {$450.00} I was not happy. I told them the debt had been paid and I would find the documentation on Monday XX/XX/XXXX. After I received a call from a private number on Monday XX/XX/XXXX that I did not answer I got phone calls from my brother, my dad and my fiance saying this place was calling for an account I owed on. They left threating messages on my voice mail and my fiance 's saying that they will be coming to my house and or work and will be proceeding to sue me. So now I have had my credit score beat up, the embarrassing conversations I had to have with the people they were contacting and so on.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-12
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX on my XXXX credit report has the inquiry date of XXXX/XXXX/XXXX. The only date that I went to the car dealership of XXXX XXXX XXXX was on XXXX XXXX XXXX. This is inaccurate information.

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 2018-10-22
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been sending disputes about this so called XXXX bill to no avail .it was removed from one of my credit bureaus but not the others. its held by a third party debt collector. Ive been letting them know Ive never had or used a XXXX phone or service on stated dates. Im not sure what else to do from here but the debt isnt mine. Some how they have my address and Im not sure if they have my social if they do its definitely fraud! Please help thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2019, I went into Wells Fargo in XXXX, MN to pay for my overdrawn checking account and close the account. While speaking with the Personal Banker, I was told that while the account had not yet been charged off, it was in the process of being charged off and that I couldn't pay the balance to stop the charge-off. I was also told that I couldn't pay the amount due on the charged-off account because it was " in-process. '' So either way, they wouldn't accept my money. I expressed my concern about this to which he replied that his hands were tied ( he was also frustrated along with me, which I felt was genuine ) because Wells Fargo wouldn't stop it from being charged off and wouldn't accept the funds towards the account, even though I had the funds in hand to deposit. 

My complaint is not at all with the Personal Banker ( XXXX XXXX ), who assisted me to the best of his ability. My complaint is regarding Wells Fargo 's unwillingness to stop the charge off that was " in process '' when I came to the Bank to make my account whole and close it. I am now not allowed to open a transaction account in the state of Minnesota for 12 months due to Wells Fargo 's unwillingness to take my funds and stop the charge-off. 

Furthermore, I applied for an apartment and had to have 2 guarantors due to the charge-off being on my credit. 

Lastly, my savings account was a negative {$5.00} due to a fee for falling below the minimum balance. I paid the {$5.00} to bring the account to XXXX and thought the account was to be closed. I just received my statement and it now shows another {$5.00} charge for this, putting me back at a negative balance. 

This experience with Wells Fargo has caused me hardship due to a ) not being able to open an account in MN for 12 months, b ) damaging my credit, and c ) costing me money. 

The account closure should be removed from my credit report and Wells Fargo should contact me to accept my funds to rectify the situation. I will be moving to a community bank that focuses more on caring for their people than harming 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 2019-06-25
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: Information belongs to someone else

Complaint:
received credit report from experience and they would not remove the fraudulent XXXX account and two others

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 2019-06-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The previous page where you could categorize what they were doing they were doing all of those things they threatened to Sue me and said they will be serving me with a summons either at my work or home, they also called family and friends they had not sent me a letter they had been calling and harassing me after I had told them that the debt had been paid. This all originated in XX/XX/XXXX I had a 5/3 account I never used and it was overdrawn by {$1.00} and I was never contacted by the bank so they waived all but 1 of  the fees and I paid {$26.00} to bring the account to XXXX and I closed the account. Fast forward to XX/XX/XXXX when XXXX XXXX firm contacted me and said I owed {$210.00} for the 5/3 account and with it being 9 yrs later I had no proof that it was paid so I ended up paying the {$210.00} and received a paid in full letter. Then Friday XX/XX/XXXX I received a call from XXXX XXXX XXXX. This was the first time I spoke with or ever heard anything from this company no letters no nothing and when I heard it was for the 5/3 account again and they were looking to collect over {$450.00} I was not happy. I told them the debt had been paid and I would find the documentation on Monday XX/XX/XXXX. After I received a call from a private number on Monday XX/XX/XXXX that I did not answer I got phone calls from my brother, my dad and my fiance saying this place was calling for an account I owed on. They left threating messages on my voice mail and my fiance 's saying that they will be coming to my house and or work and will be proceeding to sue me. So now I have had my credit score beat up, the embarrassing conversations I had to have with the people they were contacting and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX i have made a complaint to CFPB about a collection Debt Recovery Placing previously deleted accounts on my credit file. 
On XX/XX/XXXX The company Debt Recovery has replied and closed the complaint stating they will remove the previously deleted accounts they have placed on my report. 
Today is XX/XX/XXXX. The accounts have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: LDF Holdings, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/2020 I received an unsolicited email from Loan Company Lendumo. I was advised that the loan that I applied for has been approved and I needed to contact Lendumo. I immediately sent an email advising that I have not and will not apply for any loan with this company. Until this day I have not even heard of this company. 

On XX/XX/2020 I received a second email from Lendumo advising that for me to cancel this loan ( that I never applied for ) I would have to contact them by telephone to have my application withdrawn. I sent a second email to Lendumo advising for the second time that I have not and will not apply for any loan with this agency. I also requested that they stop contacting me ( at work ).

This is an unsolicited transaction and I am filing this complaint to have something done about and to this fly by night agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: OK
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:
I filled a CHAPTER-XXXX BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " XXXX XXXX XXXX '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed.

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: National Credit Systems,Inc.
State: MA
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:
I have disputed National Credit Systems and sent them a copy of police report and National Credit Systems continue to harassing me by reporting a fraudulent item to XXXX credit report. I have sent National Credit Systems and XXXX copy of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Navient Solutions, LLC.
State: TN
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:
There is a student loan account from NAVIENT SOLUTIONS that is reporting late payments from when I was enrolled in school full time and should have reflected deferred payment, NOT late payments. It's correct that I did settle the account for less then the high balance of {$8400.00} after negotiation with NAVIENT per my family hardship - but it is NOT correct that I was ever late ; as these payments would have been deferred since I was in college at the XXXX XXXX XXXX in XXXX XXXX Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXX act XXXX. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " XXXX , Trans Union and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.

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 2020-04-29
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was under a financial hardship after my divorce and been laid off from my employment that caused me to be behind with my mortgage payment, I have tried several times to seek assistance with my current mortgage lender. Now I'm employed and my area has been affected by COVID-19 causing my income to decrease so I contacted the mortgage company again for assistance with a forbearance program that was approved on XX/XX/2020 but when I call to make the payment I have been advised that it was cancelled. I have been on the phone calling the mortgage company and no one can give the correct answer why the forbearance was approved and than cancelled.

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