BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Was included in bankruptcy. Debt was bought out my a debt collection company and I disputed through credit bureau with no results. the debt was originally from XXXX to XXXX XXXX. and rereported XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
Capital one credit card company closed account, charged off then sold it to XXXX XXXX XXXX, XXXX after account has been closed and discharged. I did not receive any notification about this until after I disputed the items on my credit report. It has been over XXXX years and now I am receiving notices in the mail almost every day. These accounts have been discharged and closed. I have disputed these items several times and they get put back on my credit report with a different date. These accounts are over XXXX years XXXX and I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
During the afternoon of XX/XX/2020 A man showed up at an apt where my wife and kids live located in XXXX XXXX, FL. No uniform, no id, no logo on shirt. 

This is a private enclosed residential development and unexpected visitors must use the internal phone system to contact residence. My XXXX  small children and wife reside at this apt because random people are not allowed to just walk around or enter and knock on peoples doors. 

This man was not in uniform, did not disclose or share his name or state who he represented. Neither did this man furnish any form of official identification. My wife simply described the man as an Older XXXX XXXX Man. 

My wifes first language is XXXX  and she has difficulty understanding English. All my wife can tell me was that a man from the court possibly a police officer came to the apt demanding I show up in court. I know that police and court houses do not work this way. This individual also asked for her name. 

This individual left my wife with a bundle of uncertified ( No original county or state seal ) papers for a XXXX XXXX credit card and some from the XXXX XXXX county courthouse. 

I searched using my name and found a case, however ; based on the dollar amount from the XXXX papers I suspect that this case could be fraud/incorrect or some kind of collections scheme.

I have had issues in the past with collections, however ; this is the 1st time an un-uniformed man shows up where my wife and children live ... what seemed to be impersonating a county worker or law enforcement officer. ( This is how my wife described the individual and their conversation ) The only people who show up where my wife lives unexpectedly are XXXX, XXXX, XXXX, and her friends. Everyone else uses the phone system or calls before they come. The apartment development is private property. 

What if a criminal or a delinquent decided to impersonate a debt collector, officer or county worker, and raid the apt or XXXX one of my children? 

I am writing this letter because ... I have difficulty believing this type of activity/process/procedures are endorsed by the Police of XXXX XXXX and the County of XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX is behind this they were trespassing, impersonating to be gov employee or officer and harassing my wife.

I have asked my wife three ( 3 ) times what the Mans name was, and she can not tell 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 2016-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX student loans with the same isssue. ( XXXX ) Transunion reported a 90 day late payment on XX/XX/XXXX. ( this is not possible as payments for XX/XX/XXXX and XX/XX/XXXX reported as On time. This is an error on my report that is negatively affecting my credit worthiness.

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 2023-06-29
Company: EQUIFAX, INC.
State: PA
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:
The request was to remove an unverified account from my credit profile that shows status open with a company I have no knowledge of. Its a violation of 15 US code168i ( 5 ) removal of inaccurate, invalid credit information. Please advise this to remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: SameDay Auto Finance, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You are reporting incorrect payment information for account SAMEDAY AUTO FINANCE XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I also sent dispute letters 5 months ago. The letters are dated, and time stamped and will also be attached for your reference. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, and i hope all is well. After reviewing many areas of the credit profile ; XXXX XXXX XXXX continues to placed paid credit debt, which surpasses the statute of limitations. With the incorrect reporting, these actions continue to deplete my credit score along with creditworthiness.

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 2018-07-12
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in reference to PHH 's ( i.e., XXXX XXXX, Senior Liaison, Office of the President ) response to complaint number XXXX. In PHH 's response they referenced not being able count the interest paid because it was paid in arrears. PHH also mentioned that the information in their response could be found in IRS Publication XXXX. 

For this complaint I am asserting that PHH has misrepresented the information in their response and misrepresented the instructions found in IRS Publication XXXX for the following reasons : 1 : Arrears by definition means money that is owed or due and should have been paid earlier. For example : The 13th payment was made on XX/XX/XXXX in the amount of {$1000.00} for XX/XX/XXXX, any interest paid as part of that payment would have been for interest accrued until XX/XX/XXXX. Just because the payment was due In XX/XX/XXXX does not mean that interest associated with the 13th payment was paid forward for interest which had not yet accrued. If PHH is claiming that part of XX/XX/XXXX payment was used to pay interest for XX/XX/XXXX, a period of time for which interest had not yet accrued, then I believe this is a misrepresentation of the facts. 
2 ) IRS Publication XXXX specifically states on page 8 " The statement will show the total interest you paid during the year, and if you purchased a main home during the year, it also will show the deductible points paid during the year, including seller-paid points. However, it shouldn't show any interest that was paid for you by a government agency. '' The information I provided in complaint XXXX clearly indicates that all of the interest ( {$13000.00} ) was paid in XXXX. Therefore, as required by IRS XXXX, all of the interest paid in XXXX should have been shown on my XXXX for XXXX. 
3 ) IRS publication XXXX discusses prepaid interest on page 8. However, since interest accrues in arrears, no interest was prepaid for XXXX. The 13th payment was paid on XX/XX/XXXX. This means that any interest paid was for interest that had accumulated on the loan between the 12th payment ( XX/XX/XXXX ) and the 13th payment ( XX/XX/XXXX ) ; all interest being paid in XXXX and not prepaid for any part of XXXX. Any money that was paid early ( XXXX and prior years ) would have helped to reduce the principle balance and thereby reduce the interest that was estimated to be due at the time the loan was originated. So while the principle was paid in advance, the interest was not. There is no interest that was paid in XXXX that should be considered a prepayment of interest for XXXX. 
I respectfully request PHH to provide a revised XXXX that accurately shows the {$13000.00} paid in interest in XXXX, plus an additional {$150.00} to cover the cost of having my accountant file a corrected tax return once PHH corrects their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying my best to obtain a mortgage to move into a new home and some late payments are coming up on my report that are making it difficult to be approved. The mortgage this related to was my first property and first time being a landlord and I was really inexperienced with the damages that could be caused in the future in losing tenants, late payments, and the delays that can happen in trying to sell a property. 

Below are the months and dates that i would like to considered to be removed from my report Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - loss of a tenant Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - loss of a tenant Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - Property sale closing was delayed past the agreed date with the buyer Date : XX/XX/2017 Amount : {$1600.00} Actions taken by company : XXXX late payment reporting Was Amount Paid : Yes Reason for Lateness - Property sale closing was delayed past the agreed date with the buyer Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX I got a response from XXXX for my complaint with CFPB XXXX about my total loss claim on my XXXX XXXX XXXX XXXX in the complaint XXXX agreed to omit the days pass do because of my Insurance company had not sent them the last XXXX but, XXXX did get pretty much 99 % of the payment. This was not my fault, as that last payment was supposed to go to me for registration that I paid on the car, but instead, it was somehow added to the payment to the lien holder. I thought after the complaint XXXX and, I came to a resolution they would omit the days pass due to 0 30 days late 0 60 days late 0 90 late. They even sent me a letter while the CFPB complaint was still open saying that is what they were going to do, and they also responded to CFPB complaint and, the complaint with XXXX stating that is what they were going to do upon both complaints being closed they waited to tell XX/XX/XXXX and, sent me another letter stating they where changing it to 91 days late. even though they got payments in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX. This is insane how this company can lie to both me CFPB AND, XXXX  and get away with this. I also sent a certified letter out requesting proof of contract, and all payments, and checks that were made because I never got reimbursed for my warranty, no response other then the letter stating they were changing the late dates from 0 to 91 days although the account was never 91 days past due.

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 2018-08-01
Company: STATE FARM BANK, FSB
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
State Farm Bank is the biggest scam ever! In XX/XX/XXXX I canceled a credit card with them. Before canceling it I disputed a charge for {$12.00} and thought once it was disputed I would not owe on the balance. A few days later I check my State Farm app to be sure it is all paid for. The account is no where to be found on my app, so in my mind I must not owe anything on it. Months pass I get no bills from them, nothing on my app about the closed account. Around XX/XX/XXXX or XX/XX/XXXX i start  getting calls from a odd number saying they are state farm collections, so i call there XXXX number to be sure it was them before i spoke with this number and they said that is not us, you dont owe us anything, and we only call from a XXXX number. Yesterday XX/XX/XXXX I get on to check my credit score it says i have 3 late payments, and i know i have never paid anything late, I look into and its from my closed account with State Farm.  So i call to pay it and they said i owe them {$200.00}. After arguing with them about it they brought it down to XXXX, still ridiculous. For a {$6.00} missed payment I collected {$200.00}, in late fees for a balance I was unaware of because they failed to properly notify me. I filed a complaint and they still made me pay {$130.00}!! Total scam!!! And they also clamied To be sending emails to the wrong email for notices about the balance one that isnt even linked to my credit card account! I told them it was the wrong email so How could i know about the balance they didnt care! Nothing in the mail about this balance and nothing on my online account about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see XXXX which your office closed today. I did submit feedback and asked if that was enough or if I had to file an additional complaint. The email response to my feedback was simply that it would be added to my file so I am submitting an additional complaint. 

I am attaching a letter from XXXX XXXX that was sent to CFPB in XX/XX/XXXX 2016 when I enlisted your assistance in having my modification completed. This letter clearly shows that my payments were to be XXXX per month, no mention of escrowing taxes and insurance and no reason to do so as I was clearly paying my taxes and insurance on my own. Bayview accepted the transfer of my mortgage from XXXX and clearly accepted their terms. No correspondence was sent to me that they were changing the terms of the modification. Adding the " deferred amount of XXXX '' was not needed nor do I believe it to be legal as I clearly complied with the terms of the modification. Additionally this amount was never credited to my mortgage nor any payment to my mortgage or my homeowners or insurance. I am again requesting that this amount be taken off of my mortgage agreement and the information shared with XXXX XXXX who is currently managing my mortgage so that they can adjust their records I am also requesiting that this case not be closed simply because Bayview sends you a letter with their explanation that I was to include the taxes and insurance payment which gave them the right to access this amount to my mortgage, that is simply not true. I believe this amounts to predatory lending practices on a senior who was trying to obtain a mortgage modification. I am once again requesting your assistance with this company, a company that perhaps should be investigated as I 'm sure that I 'm not the only one that is having this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/XXXX I got a response from XXXX for my complaint with CFPB XXXX about my total loss claim on my XXXX XXXX XXXX XXXX in the complaint XXXX agreed to omit the days pass do because of my Insurance company had not sent them the last XXXX but, XXXX did get pretty much 99 % of the payment. This was not my fault, as that last payment was supposed to go to me for registration that I paid on the car, but instead, it was somehow added to the payment to the lien holder. I thought after the complaint XXXX and, I came to a resolution they would omit the days pass due to 0 30 days late 0 60 days late 0 90 late. They even sent me a letter while the CFPB complaint was still open saying that is what they were going to do, and they also responded to CFPB complaint and, the complaint with XXXX stating that is what they were going to do upon both complaints being closed they waited to tell XX/XX/XXXX and, sent me another letter stating they where changing it to 91 days late. even though they got payments in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX. This is insane how this company can lie to both me CFPB AND, XXXX and get away with this. I also sent a certified letter out requesting proof of contract, and all payments, and checks that were made because I never got reimbursed for my warranty, no response other then the letter stating they were changing the late dates from 0 to 91 days although the account was never 91 days past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: WINN LAW GROUP, APC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Hello on XX/XX/XXXX I was served with a retainer letter on the attempt to collect {$5200.00} from the original Creditor XXXX XXXX by XXXX XXXX XXXX contacted XXXX XXXX XXXX to help me correct the issue according to my recollection everything went fine 2 weeks ago I came across this other letter on XX/XX/XXXX with the same XXXX XXXX XXXX with a different Law Firm WiNN LAW GROUP I have been searching all over the internet called all sorts of law offices to no avail today I came across this site Consumer Finance.gov because during the research I spoke to this fine lady she mention this site I'm ever so thankful now I find myself in a situation with no help in sight I'm so worried thta they might start to garnish my XXXX XXXX I have a very small hours part time work and that sums it all please help me in any way for guidance to solve this humongous problem for me that is ..in one of my interviews with a attorney last night he mention that XXXX XXXX XXXX failed to filed a petition about the case to the court ... thank you ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I called CitiCard to close out one of two accounts with them. ( Earlier, I had stopped using the card in question and transferred the two " auto-payments '' on the card to another CitiCard I have. ) My request was processed without incident. 

On XX/XX/XXXX, while filing away the last statement I had for the recently closed account, I realized I had {$73.00} in Dividend Dollars associated with this account. I immediately called CitiBank ( XXXX - Dividend Dollars ) to see if they were automatically forwarding the reward money associated with the closed account. 

The agent I spoke with said there were no instructions to send me these funds. Furthermore, CitiCard can no longer forward these funds because the associated account was now closed. 

I objected on the grounds that the agent closing the account never advised me of the associated Dividend Dollars amount. 

Complicating the discussion, was the fact that this account ( as well as the second CitiCard account ) was in my husband 's name. He passed away last year and I have continued to use these cards and pay-in-full my monthly bills. I 'm not clear, but there was some argument that they could not make out the check for Dividend Dollars to a deceased person or to me because I was not the card holder. Curiously, I called to get a check for the Dividend Dollars on the second CitiCard account ( also in my husband 's name ) with no problem!

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 monetary relief
Consumer complaint received 2019-02-20
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
There is some confusion about the address of the property Ocwen received in a recent lawsuit settlement. The deed of trust was signed by XXXX XXXX whom was the owner of that property. The property address is XXXX XXXX XXXX, Ms XXXX. 
Ocwen has sent a 1099A form to XXXX XXXX with the property address of XXXX XXXX XXXX Ms XXXX. Also the Fair Market value was incorrect. It was based on XXXX XXXX  instead of XXXX XXXX XXXX, Ms XXXX.XXXX  XXXX was not the owner of the property at the time it was signed over to Ocwen therefore I am not sure she is responsible for the debt of the property as indicated on the tax form. 
XXXX and XXXX sent XXXX XXXX certified letters threatening eviction of property owned by XXXX XXXX her husband and owner of XXXX XXXX as shown on the enclosed documents. XXXX XXXX is vacant.

Company response to consumer: Closed with explanation