BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: FIRST GUARANTY MORTGAGE CORP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, On XX/XX/XXXX, my loan originator, XXXX XXXX, closed a purchase loan and I believe I was discriminated against due to my gender. I initially wanted a conventional loan and was pre-qualified under conventional guidelines. When my loan was submitted for final approval, it got kicked back due to my Debt to income ( DTI ) ratios. I was in the processes of getting my NMLS licensed and asked what guideline they were using and why the debt to income had changed so drastically as I was in no way close to maxing out based on the pre-qualification I received. At the time of origination, I was working in sales, and had base + commission income. I had a XXXX  in XXXX of XXXX and took 3 months of FMLA ( returning to work at the end of XXXX of XXXX ) after XXXX  my child. Because I took XXXX XXXX and did not receive the commission portion of my income, my total averaged income had an annual difference of {$10000.00} or $ XXXX/monthly which is a HUGE difference in my monthly income. I gave an explanation to the loan originator, but she said we would have to go FHA and " it would take too long '' to switch back to a conventional loan at this point and I would miss my closing date. I came back to work in XXXX and could prove I was receiving the commission and had the ability to repay. I feel a letter of explanation could have been submitted as my ability to repay was in good standing due to the return of my commission on the pay stubs used to qualify. Due to this blunder, I lost about {$10000.00} in equity due to UFMIP and I have attached an email with the breakdown of the two loans which shows a difference of the {$10000.00} from the loan originator.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Navient Solutions, LLC.
State: PA
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:
I have been paying on student loans since XXXX. I have been a government employee since XXXX. In XXXX, it was announced that Public Service Loan Forgiveness would be honored after 120 on time payments for federal student loans beginning in XX/XX/XXXX. I immediately contacted Sallie Mae, now Navient in XXXX to find out what I needed to do to qualify for this loan forgiveness and was told to have my employer complete a form that I was a public service employee and submit it and the application by XX/XX/XXXX. In late XXXX, I contacted Navient to make sure I was on track with submitting the necessary forms since I would qualify for loan forgiveness, only to learn that I had been misguided on that there had to be a specific type of repayment plan set up in order to qualify. I was not provided that information in XXXX and based on what I was told, did not feel the need to contact the lender till years later when I was eligible for the loan forgiveness. In XXXX, the company offered me an income driven repayment plan, but that would have started the clock for another 120 payments before I would qualify for student loan forgiveness and my debt would be paid in full by that time. I am very frustrated with the responses that Navient has provided. They gave bad information when I needed it the most to start the clock on the 120 months years ago. I have paid over {$200.00} per month on {$30000.00} federal student loans since XXXX, and still owe {$15000.00}. Something is wrong. I previously submitted a complaint and received a poor response that made it look like I was provided the information I needed up front, which is NOT true. I wasn't given the right information until late XXXX, after i spent the past 9 years thinking i was on track for loan forgiveness in XXXX. I feel I should qualify for loan forgiveness, since I have paid on these loans for 22 years and have been employed as a public service employee for 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: BlueChip Financial
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Got a loan threw XXXX XXXX and the I got laid off at work I called tryed to work something out so they didn't want to help me so I stopped paying it now I get call all day with threats I'm goin to jail and I got warrants and loan was for XXXX now they trying to make me pay over thousand dollars my family gets all the calls to and threat my parents with about me going to Jail that they r goin to have investigator go to my work it stress me out so much I always feel sick and worried that someone going to show up to my work I got like 6 other loan company doin the same thing I can't remember there names or phone number I get loan calls all day it's like being harrassed it's embarrassing

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The creditor XXXX as you can see in the attached letter is unable to validate the debt so if they are unable to validate the debt how are the bureaus stating they have verified and validated the debt? this is false information and a direct violation of my consumer right. I demand you delete this information from my consumer 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 2019-01-12
Company: EQUIFAX, INC.
State: MN
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:
My scores are whacked from all 3 bureau 's, photo included I have a higher score than what's shown These people are uneducated and are messing with people. How can I go from XXXX to XXXX in 1 day?,,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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:
There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously

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 2018-05-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
so i met a guy on XXXX and he was selling a gift card to me. He told me to send the money to his friend 's paypal account. I sent the money but the seller said that he cant take paypal and he will tell his friend to refund my money. After a few days he just blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Kashia Services
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018 my employer advised me that a letter was received from Kashia dba XXXXXXXX XXXX. The letter states I agreed to have 25 % of my wages garnished for a total amount of {$1600.00}. The loan amount was for {$700.00} and i never agreed to pay over {$900.00} plus the original loan amount of {$700.00}. The letter sent to my employer states I agreed to the garnishment which is untrue. This company has not reached out to me to make any arrangements prior to submitting this letter to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted CFPB regarding Account Resolutions of XXXX XXXX XXXX, XXXX, FL XXXX as they were reporting an unvalidated alleged debt and violating HIPPA also by reporting. They were to remove the account in its ENTIRETY from my credit report because it is also a FDCPA violation. They continue to report this account in violation of HIPPA and FDCPA, but now they are reporting as PAID, which it was never PAID, and as CLOSED, but they never provided validation that the debt was ACCURATE or REAL. 

They continue to report this and it needs to be removed. They have never provided additional or verified account level documentation as requested. 

They are currently in willful noncompliance of the FDCPA and violating my rights by doing so.

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 2018-02-21
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2016 I was contacted by a company called XXXX XXXX the contacted me more than a year ago now. I paid them {$2700.00} with my Discover Card to receive products through their distributor but once I paid I never got any products not even the brochures I was promised. What they showed me as a sample of the e-catalogue of products it was nothing even close to what I was selling, I was furious when I contacted my rep and demanded a refund. I told them what I wanted even gave them a sample and to this date my site still is not right. 
The reason for this complaint is they did not provide the products/ services I paid for and they took advantage of my ag. I was defrauded and deceived into paying this money, I ask you to please help me get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: JPMORGAN CHASE & CO.
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:
In XXXX I did not pay the full balance of my credit card, so in XXXX I had and interest charge. I then paid my bill in full including the interest. There were no late fees because I paid more then the required amount asked for. In XXXX My statement had an interest charge on of {$13.00}, I called the credit card company ( Chase ) to discuss this, as I paid my bill in full and on time I wanted to know what I was being charged interest on. I was told because I didn't pay my bill in full in XXXX the interest carries over for two months. I wanted to know if I carry a balance on my card do I pay double interest all the time, and was told I have to have my bill paid in full for two months to not have interest charges. The representative could not answer my question on what I was being charged interest on nor if people are paying twice the amount of interest as told upfront. Is this the Banks way of charging double the interest, from what they advertise? The rep could not answer my question. 
I also noticed XXXX XXXX  XXXX did the same thing. I always try to pay these cards off every month in the off chance I don't I would like to know what my true interest rate is. 
I would like to know if this is legitimate? 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: FL
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 been a victim of identity theft fraud. I have discovered which is not mine, which I would like to immediately dispute and have investigated.I have no idea of any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This frivolous account remains on my credit report despite many written complaints to the three credit bureaus. In my First Dispute, I ask that the account be checked and " confirmed. '' According to the three credit bureaus, this company " confirmed '' that this item is being " reported appropriately. '' As a Second Dispute, I request that the First Request be Reinvestigated, because the bogus account is still on my credit report. Following the Second Dispute, the three credit bureaus indicated that this company " confirmed '' that these things were " reported appropriately. '' As a third point of contention, I asked, " Who validated these accounts? '' How did these accounts become verified? Provided me with copies of ALL original documentation ( s ) on files, such as contracts or legally enforceable agreements ( as proof ), with my signature on it pertaining to the disputed account. This company was unable to supply me with a copy of ANY original documentation for this item that I sought. I DEMAND THAT THIS ITEM BE REMOVED/DELETED IMMEDIATELY FROM MY CREDIT REPORT.

I fully intend to file a lawsuit in accordance with the FCRA to enforce my rights, seek relief, and obtain all monetary damages that I may be entitled to as a result of your continuous willful and careless non-compliance under Sections 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: U.S. BANCORP
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was left a message that said if i didn't answer the call from this unknown number after three attempts they would be contacting my payroll and HR department. I then called the number and they stated that I owed us bank approximately 1,700 dollars. I told them i knew nothing about this so they emailed me a affidavit for identity theft requesting all kinds of privy information from me and said I had 2 days to complete it. At this point I called them back to find out the companys name and address and proof that they owned this debt and they would not give me any more 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 2019-01-12
Company: Experian Information Solutions Inc.
State: LA
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 currently a collection account on my report. Please remove : XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05
Company: FC HoldCo LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021, I traded in my vehicle to XXXX XXXX XXXX XXXX my car payment from my previously lien holder ( Flagship Credit Acceptance ) was due on XX/XX/2021. After trading my vehicle I received several calls from Flagship and I stated that I no longer have possession of the vehicle, I signed documentation to trade my vehicle. Several times Flagship still contacted me about the payment of the vehicle, I had no idea that the vehicle was still not properly paid off. I tried to contact XXXX XXXX several times, I even went to the dealership was never able to get in contact with anyone in the financial dept. The only person to my assistance was my sales rep XXXX. He tried to figure of why the car still was not paid off, he was really good with communication. He stated the financial manager stated it will be taken care of. However, the bank delayed the funds to XXXX XXXX which caused a delay in the car being payed off. XXXX told me the manager XXXX would contact me because of how upset I was. I called XXXX to see the status of the car loan they told me it was paid off XX/XX/XXXX, or XX/XX/XXXX I believe. I was relieved until I seen my credit score dropped Tremendously, because of the 30 day past due on this account. It was not my fault, I no longer had possession of the vehicle. I really wish Flagship would consider removing the delinquency of the account. I was a good customer with good payment history, and I was unaware of the trading process due to this being my first trade in. I feel both companies are in the wrong and it is causing me to have an effect.

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 2023-03-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a financial hardship during Covid and am struggling to recover. Right path servicing posted today ( under miscellaneous ) a trial plan XXXX $ more than my original loan payment and an interest rate 2 1/2 points higher than my original loan. This was never sent to me by mail. The other posted letter says I have not made my trial payments and the agreement is void. I have never seen any agreement before this. I was ask to correct documents. I think Im being set up to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: ENCORE CAPITAL GROUP INC.
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:
In the companys response, XXXX XXXX state that they reviewed business records that indicate that the account information it is furnishing to the three major credit reporting agencies is accurate. That is 100 % inaccurate! The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states, you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts that are posted on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even accounts that do not belong to me or are not reporting 100 % accurately! 
1. XXXX XXXX and XXXX are showing different date of open account and placed for collection dates with collection agency. 
2. XXXX XXXX and XXXX have different account statuses. 

Per XXXX XXXX, your previous request, the above-referenced account will remain marked Cease and Desist. While it remains due and owing. How can it remain due and owing when you have not properly verified what is due and owing, when there are multiple errors reporting on all credit reporting agencies and per The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the original creditor stated they no longer have the original signed consumer contract nor your company can furnish it? I would like the account to be removed immediately from all three major credit reporting agencies. Also, per FCRA 611, if every aspect of the account is not 100 % accurate it must be immediately deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Global Portfolio Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To CFPB We have previously filed a complaint against XXXX XXXX XXXX XXXX concerning an account they are reporting to the credit bureau for XXXX XXXX. They say I had a credit card with a XXXX dollars credit line they also say I had one with a XXXX XXXX dollar credit line, both are incorrect, I never had a credit card with this company. 
Portfolio says that they will not answer our inquiries concerning this matter as we have made many attempts to verify this matter. Portfolio  has never proved I or any one here has had a card with XXXX XXXX, no, what they have done is send some copy of a bill which the FTC says is not proof that that bill is owed by anyone. 
We have filed this complaint against them because of this inaccuracy and also in filing other complaints against them in XXXX we have found that Portfolio  is not properly licensed in the state of Texas therefore, our attorneys will be filing criminal charges against Portfolio for attempting to collect a debt not owed by me and not being registered in the state.

Company response to consumer: Untimely response