BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At the end of XX/XX/2018, NewRez contacted me about my loan application with XXXX XXXX   and offered me to match or make a better offer if I applied with them as they will offer me a portfolio loan meaning NewRez was in need to sell my loan. By midXXXX, I started a new application with NewRez and I received an approval in XXXX. However, NewRez did not fund the transaction explaining by the end of XXXX that the loan could not close because the property was title on a Land Trust even though this was disclosed at front along with the trust documents from the beginning of the loan application. Then, I agreed to remove the property from the land trust as I was assured that this was the only item holding funding after underwriter review. 
Just after the property was removed from the Land Trust I filed a new application with NewRez as it was instructed and a second approval was received on XX/XX/XXXX. However, Im still waiting for closing today and the file still under review. NewRez requested updated documents like title work, updated statements, a letter from one of my lenders, title work, proof of insurance and these documents were provided in a timely manner. Ive been told several times closing is next Friday as everything else has been approved, but the title company confirmed that NewRez has not sent finalized documents to fund the transaction tomorrow XX/XX/XXXX. 
I had spent money and time to fulfil every request, I paid to remove the property out of the trust, I paid for the appraisal and I put a hold to my business, so I do not change my financials or credit history while the file still pending with the underwriters. In sum, my file has been under review with the underwriters for final review for more than a month, but no one seem to be taking my file seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted an application for a short sale with my lender in XXXX of 2021 I have an FHA and fully understand that I would have to be reviewed for retention options prior to being reviewed for a short sale. I submitted all required documentation with the help of an authorized 3rd party. I have on 4 different occasions been asked to furnish the same documentation over and over. I am still being perused for mortgage payments. I have a buyer who is under contract and willing to purchase the property. They continue to ask me to submit the same documents over and over and switch XXXX individuals each time and each new one says they no longer handle it. Please assist with having the lender review the documents so that this isn't continuing to be a further hardship. I am a single mom with major obligations and this property has been empty since XXXX of 2021. Also, I am not receiving any letter with status update I only find out if I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have paid all my bills all my life on time and this company has badgered me without disclosing what the debt was for or the account number. They have placed a large lien on my credit without an account number or any notion on why I would owe but from google look to collect for phone companies and have more than 300 complaints for similar issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I Have called numerous of time to get my student loans lowered and to get my co-signer removed. Navient customer service representatives told my mother and my self that if I make consistent payments for one year  that they would remove her off my account. Secondly I have also tried to qualify for hardship or get my private student loans lowered and they have not offered any alternatives. My payments continue to go up because I did not realize I signed up for a variable interest rate program. Both my interest rate continue to rise one is at 11.750 % interest rate and my second one is at 10.50 %. I have the money debited out of my account every month to qualify for the .25 % saving but my principal account balance has not gone down. With my XXXX XXXX now coming up for payment I can no longer afford these ridiculous high payments. and on one of my loans show that it has been sold and it looks like they have added more interest onto the principle on XX/XX/2018 of {$150.00} with a principle of {$22.00} which totaled {$22000.00}. I feel like i have been misled on trying to remove my co-signer and the interest rates keep going up therefore moving the needle on me every time I get closer to making the payments on the principle. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My fees and interest charges are higher than I expected and I was not informed on this interest rate. Ive accrued over thousands in fees, after being a loyal member for 5 years. It's never been this hard to pay off 1 credit card before.

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 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
XXXX, XXXX, XXXX & XXXX XXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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: Account information incorrect

Complaint:
I received an alert on my credit report saying I owed Columbia Debt Recovery {$7200.00} in collections debt. This claim is wrong and I have reported the claim as fraud to the company and in order for them to process my request, they said I needed to file an FTC complaint and then have it notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I checked my credit and saw an account from LVNV Funding for XXXX XXXX for {$1100.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$600.00} for to settle for a deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My mother sent me money on Cash app and she sent to the wrong cash app I dont have the phone number or debit card number to get into the Cash App anymore and cash app will not release my funds to me or my mother

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: EQUIFAX, INC.
State: TN
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:
Credit report indicates a collection from XXXX dated XXXX XXXX. Consumer does not owe and has repeatedly asked for verification of debt from company and credit bureaus. Contacted company in XXXX XXXX and was told there was no record of debt. When consumer pulled credit report in XXXX XXXX contacted the company again and was told Consumer owed {$500.00} but representative was not able to provide any explanation when consumer asked for verification of debt. Last correspondence sent to XXXX asking for removal or debt validation. Sent on XXXX/XXXX/XXXX tracking number XXXX certified return receipt. Received and signed on XXXX/XXXX/XXXX but no response to consumer. However credit Bureau reported XXXX updated report XXXX/XXXX/XXXX. Equifax has not been able to validate debt also when disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: EQUIFAX, INC.
State: TX
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:
Organ Case # XXXX Please view the original case # listed above. This investigation has taken well over thirty days with Equifax and Equifax has requested more time to work on this. However, Equifax has not followed up with me not has Equifax removed the inaccurate account with XXXX XXXX and the unauthorized inquires on my account. I have sent in to Equifax a copy of my ID theft report as well as a copy of the Police report. 

I have stated over and over that the XXXX XXXX trade line that is showing up on my account is not mine and the result of ID theft. THE ARE SEVERAL LISTED INQUIRIES on my Equifax report that I did not authorize and I am requesting deletion. 

Please do not continue to stall and neglect my requests. This has been a terrible process getting this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
These school loans were taken out in XXXX to XXXX. They have been reported on my credit EVER SINCE. Navient has been garnishing my wages and taking my tax returns for over 10 years. I never got a breakdown or receipt of where the money they took was going. Everytime I would call to beg for a reasonable payment plan, they would defer them because I 'm dirt poor, with no degree. If I worked full time, I did badly in school. The college told me to take out loans, so I did. I finally consolidated them ... which did n't help anything. Now on my credit report they all show twice, making it look like I owe double what I actually owe. Again, I called, no more options they told me. Pay {$1200.00} a month or nothing. I cried, I begged. They said I could pay $ XXXX. I 'M POOR. These loans are ruining my life. I ca n't get credit. I ca n't rent a car. I ca n't get a good price on auto insurance and I do n't even have a degree to show for it. Everytime I go to try to do something about it, they tell me what I need to pay, or they tell me I will continue to have bad credit, ect. I get discouraged and depressed and give up. I get letters from 7 different companies. For different amounts. With different account numbers. I do n't know which way is up. They 've taken thousands when I had kids in my custody and I still have no proof of what has been paid. Finally someone told me to contact the credit bureau to validate the debt. That way I would be able to see what was paid, how much they 've taken, what the debt is, to who, ect. Instead Navient sent me a letter saying the debt was verified and they re-aged all the loans, with no other paperwork. I 'm at my wits end. I want to make them right, but I just do n't know how.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Financial Credit Service, Inc.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Was called by ARA Inc and was told I owed them over {$3000.00} from a XXXX XXXX XXXX account. I informed them this was an unvalidated and very old debt, past the statutes of limitations. I was told that was this was an unsecured loan and that they we 're not a 3rd party, but the current owner of the debt, so statute of limitations did not apply, and I would need an attorney to get this stopped. I informed them, if I needed an attorney, they would be paying the attorney 's fees.This conversation was on XXXX/XXXX/XXXX, the phone # was XXXX XXXX XXXX. They hung up on me, I called them, and was told not to call them back, and they hung up on me again. Today I received my first letter from them, dated XXXX/XXXX/XXXX stating I owed them {$3600.00}, due in full. This is after being informed not to contact me again, as this was an unvalidated and out of limitations debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Atlantic Recovery Solutions LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Atlantic Recovery Solutions, a XXXX XXXX, has harassed my mother in law, my father, and my husband ... so far as of today,XXXX. Where is the privacy act, how did they get these numbers, and how can they legally keep harassing them? This IS Harassment~ I have had no items mailed to me, nor do I have ANY record of this company calling me on my home, or cell phone!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: TX
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:
Hi. I am writing because i received a letter that says that someone is trying to dispute in my behalf. Please be assured that it was I who processed my CFPB report. I hope you do something about it and help me out with my concern.

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 2022-04-04
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase promises {$4.00} for taking a lesson about learning about Coinbase wallet. They do not mention that I have to sign up for the wallet until I'm almost through the lesson. I can't complete the lesson without doing the wallet thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
EQUIFAX will not give me my so-called free credit report. They exposed me to identity theft and now block me from seeing the data they have collected me without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: North American Credit Services
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/XXXX I sent a letter Certified mail # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX North American Credit Services for validation of debt and HIPPA authorization. 

I requested that North American Credit Services provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

North American Credit Services have not complied with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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 2022-04-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
USAA decided to sell off their investment banking business to XXXX XXXX. In the course of the transfer, my IRA was converted from to a standard brokerage account, which triggered a letter from the IRS. Apparently, USAA hired a company called " XXXX XXXX XXXX, XXXX '' to do all of this clearing and at some point, the account was converted to a brokerage account, which might have created a taxable event. The process is still ongoing but because of USAA 's actions, I will now be forced to spend numerous hours correcting their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This alledged debt was paid by my insurance first. Second, I never received information on such owed debt. Third, this is a violation of my HIPAA rights as I said before because there is no reason my diagnosis and what test was done should be of any concern to this Collection agency. Fourth, this was added to my credit report w/o first contacting me. I 'm very tired and feed up with this collection agency for a {$270.00} alledged debt. So it will cost them more. Because I will be filing this with my attorney, due to the information that is on the form. Which includes my social, diagnosis and test that was done. My diagnosis is noone 's concern. ONLY the person who was caring for me at the time and it was not a Collection agency. What if I had a relative working for this company and they saw my diagnosis? I would be furious. And I still do n't know who else seen my diagnosis. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account on XX/XX/XXXX using promotion code XXXX. I followed and met the requirements such as direct deposits totalling {$1000.00} within 60 days of account opening. I am still waiting for the {$400.00} to be deposited into my account.

Company response to consumer: Closed with non-monetary relief