BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: CORELOGIC INC
State: TX
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:
on XX/XX/XXXX and XX/XX/XXXX XXXX reported hard inquiries on my credit report without my consent. I 've contacted the creditor with no success of removal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On X/XX/2017 I contacted the Transunion credit bureau, about some inquires on my credit report that I did not authorize. They would not help me, they gave me the run around, and would not give me any solution to these unauthorized inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX or XXXX received debt collection letter from Portfolio Recovery XXXX for a supposed debt to XXXX XXXX. I disputed the debt, which was then closed and a letter sent to me in XXXX XXXX stating such and with XXXX balance. I recently checked my credit report because Portfolio Recovery XXXX. XXXX XXXX XXXX sent me a new letter XXXX XXXX, XXXX, from the same forgiven debt, same amount {$410.00} ; offering me a chance to settle for {$270.00}. I still have in my possession the original account closing from XXXX, and the debt is on all XXXX of my credit reports with different dates of submission. I 'd like to have this permanently erased from my credit, and perhaps have XXXX fined for their illegal practices. I would think they would have the original discharge from XXXX. XXXX T.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
According to the provisions of the Fair Credit Reporting Act? 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a massive issue with my servicers. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2020. 
I recently had my loan transferred over from XXXX XXXX XXXX who Ive been working with to achieve a loan modification. On or around XX/XX/2020 I received a letter in the mail stating that my loan has been transferred to a new servicer SHELLPOINT MORTGAGE SERVICING. Ive been working and trying so hard for so many years now to receive a loan modification from XXXX XXXX XXXX and before that XXXX XXXX XXXX. And not once have they worked with me and cared or tried to help. 
To this day I have not received a welcome letter from the new servicer Shellpoint Mortgage Servicing. XXXX XXXX XXXX still placed my home on a foreclosure sale especially while the transfer happened. This is not good because it does not give me any time to work with the new servicer to work out options let alone given any time what so ever to have a chance to be reviewed for a loan modification. 
XXXX XXXX XXXX and Shellpoint Mortgage Servicing strategically transferred my loan so that the time frame would just sell my home. 
If XXXX XXXX XXXX and Shellpoint Mortgage Servicing continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Bank of America Regulatory Complaints Bank of America attempted to resolve issues related to mortgage/escrow account by falsifying information and misrepresenting factual information publicly available from a governmental agency XXXX XXXX County Property Taxes ). Bank of America refused to take responsibility and acknowledge any wrongdoing. Bank of America failed due diligence to research information provided by governmental agency and evidence provided by this writer regarding their ( Bank of America 's ) claims. 
Bank of America 's proposed resolution to the complaints brought upon this writer involved dismissing the complaints, falsely justifying their stance and continue to deny responsibility or any wrongdoing on their part. As a result, this writer continues to face negative repercussions including assessments of late fees, being pursued and questioned about intent/ability to make payments towards their mortgage. This writer has provided Bank of America with numerous copies and evidence disproving their claims and yet they refuse to admit fault. In addition, Bank of America claims that a penalty/late fee of {$26.00} was assessed by the property taxes office. According to property taxes finance department records, Banks of Americas claim is false. Their attempt to collect additional funds is uncalled for and unsubstantiated. 

Documents provided to Bank of America : 1.copy of the XXXX County XXXX Department of Finance website information page whcih includes property taxes due date. Their phone number is XXXX. 
2.records provided by the XXXX County Property Taxes XXXX Department of Finance regarding the payments received for the year 2018. 
3. Copies of checks sent by this writer to pay porperty taxes 3.requested an audit to the records of XXXX ( contractor for escrow account monitoring ) 4.documents provided by the XXXX County Department of Finance response XXXX there was NO {$26.00} late penalty fee assessed by their office.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I filed a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I never received a notice stating the investigation would take longer. I sent the disputes out on XX/XX/XXXX, and the 30-day demand to comply letter out on XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Bread Financial Holdings, Inc.
State: MA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYBANK/VICTORIA SECRET. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I WAS FORCED TO MOVE FROM MY HOME DUE TO THE NEGLIGENCE OF THE INCOMPETENCE OF CHASE BANK. 

THEY ARE PYCHOPATHIC PREDATORS, WITH NO XXXX, WORSE THAN XXXX. 
THEY NEVER HELPED ME TO SAVE MY HOME, BECAUSE THEY WERE GETTING THE MORTGAGE PAID FROM THERE " CREDIT DEFAULT SWOPS INSURANCE. '' THAT PAID CHASE NOT TO HELP PEOPLE LIKE MYSELF KEEP THERE HOMES. 

PLEASE CFPB HELP ME GETTING $ XXXX IN COMPENSATION FOR THERE EVIL WAYS. 

THEY LEFT ME HOMELESS, AND SUFFERING FROM ACUTE XXXX AND NOW DIAGNOSIED WITH XXXX XXXX. 









]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a massive issue with my servicers. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2020. 
I recently had my loan transferred over from BAYVIEW LOAN SERVICING who Ive been working with to achieve a loan modification. On or around XX/XX/2020 I received a letter in the mail stating that my loan has been transferred to a new servicer XXXX XXXX XXXX. Ive been working and trying so hard for so many years now to receive a loan modification from Bayview Loan Management and before that XXXX XXXX XXXX. And not once have they worked with me and cared or tried to help. 
To this day I have not received a welcome letter from the new servicer XXXX XXXX XXXX. Bayview Loan Management still placed my home on a foreclosure sale especially while the transfer happened. This is not good because it does not give me any time to work with the new servicer to work out options let alone given any time what so ever to have a chance to be reviewed for a loan modification. 
Bayview Loan Management and XXXX XXXX  XXXX strategically transferred my loan so that the time frame would just sell my home. 
If Bayview Loan Management and XXXX XXXX  XXXX continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: CITIBANK, N.A.
State: OK
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:
-Standard Purchases on XX/XX/XXXX {$540.00} XXXX Statement : New balance as of : XX/XX/XXXX {$540.00} Payment due date : XX/XX/XXXX Paid off the balance of : XX/XX/XXXX {$540.00} -Standard Purchase on XX/XX/XXXX {$8400.00} XXXX Statement : New balance as of : XX/XX/XXXX {$33.00} Payment due date : XX/XX/XXXX ( late fee : {$25.00} - interest charge : {$8.00} ). 
{$8400.00} was not on statement because close of billing cycle XX/XX/XXXX. It will be post on XXXX statement if I did not paid off on XX/XX/XXXX. 
Paid off the balance of : XX/XX/XXXX {$8500.00} ( $ XXXX {$8400.00} ) XXXX Statement : New balance as of XX/XX/XXXX {$110.00} Payment due date:XX/XX/XXXX ( interest charge : {$110.00} on standard purchase : {$6500.00} ). 
I do not know where they get {$6500.00} for interest charge? 
I have 23 days no interest charge for {$8400.00} after the close of each billing cycle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Home Point Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Able to pay part of an offered agreement to bring me up to date on my mortgage. However, part of the offer includes paying two mortgages for the next three months. This is impossible for me because doing so would be using my entire monthly income. I would not have even a dime left to cover all other living expenses. Please advise. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been trying to pay on this loan because it already has my credit messed up. I cant afford the payments and I have begged them to lower it for me. I want to pay it but cant afford what they are asking. It makes me regret even getting my degree and want to tell my children not to go to college because they harass you and you get frustrated and don't know what to do because I cant afford this. If I can pay XXXX a month, I know it will take a while for me to pay it off but it is showing them that I want to make payments. I keep getting fees added on and it just making the total larger and larger. I cant do this! I am XXXX   because I want to pay them and they are not willing to help me in paying an amount that I can afford. I see why people commit suicide due to things like this, I feel like I'm drowning when it comes to this. I NEED HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with speedy cash in XX/XX/2018 in the amount of {$680.00}. I was under the impression that I would pay back what I borrow plus $ XXXX {$50.00} based on the conversation I had with the representative before I applied for the loan. I had a series of unfortunate events to occur in my life that prevented me from making timely payments. I received a notice in the mail that speedy cash sent my account to collections with XXXX  XXXX. I was informed that my balance was {$1200.00} with an interest rate of 200 % APR. I was blown away by the amount of interest on the debt. I informed them that I was having a difficult time but in no way neglecting my financial obligations & desired to resolve the debt. I inquired about a settlement regarding the interest on the account. I was told that I they would not make any adjustments to the account. Some of the representative I spoke with @ XXXX XXXX were very rude. Everyone has bad days and because I have a delinquent debt doesn't mean you should be mean.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I initially disputed the barred debt- not claiming it to XXXX  due to original date of debt last payment and the collection agency Contract Callers responded back to XXXX  that the information is correct that they put on my credit file. They also have on the account that a payment of {$1.00} was some how received and that is not true.I hereby wish to submit a complaint to your office to assist in getting this issue of wrongful collection debt reporting to consumers credit file. 

I am uploading the following items : 1- dispute submitted online to XXXX  that shows the company responds that all information is incorrect and that is not true.

2 - Letter I sent to the company of the item not being claimed but is of barred statute and needs to be removed from my file.

3 - Credit profile pulled XX/XX/2006 showing this same account as a collection account and was disputed. 

Please assist to help me get this removed from my credit files. 

Thanks!

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 2020-02-18
Company: Merchants Credit Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchants Credit Bureau, Inc.claims that I owe {$2200.00} that was belong to XXXX XXXX XXXX XXXX , XXXX, a landlord that once I was renting an apartment from. 

Merchants Credit Bureau , Inc sent me a list of maintenance charges that XXXX XXXX XXXX XXXX , XXXX ( their client ) believes that I caused them. 
I don't agree with those maintenance charges and they lack any evidence. 

They have added a collection activity to my credit file and caused my credit score to go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have already filed two complaints with the CFPB regarding Navient and their illegal handling of 3 student loans that I obtained for my son to attend XXXX University. 
1. Total number of loans is not accurate 2. Loan amounts have been almost quadrupled from original balances.
3. 1 loan for my son 's last semester was a private loan through XXXX. 
4. I filed a Chapter XXXX BK in 2014 and student loans were discharged. 
5. The private loan can no longer be collected by XXXX and they show it " charged off '' with the credit bureaus which has ruined my attempt to re-establish a good credit score. 
6. XXXX sold two " XXXX XXXX '' loans to Fed Loan servicing. Balances were quadrupled. 
Have sent " Certified Written Requests '' to both XXXX and Fed Loan Servicing demanding copies of the notes they claim I owe as well as a payment history and a history of all charges to my account. 
7. XXXX could only produce 1 application, no note and no payment history. 
8. Fed Loan has ignored my requests completely and is now charging me a ridiculous payment of {$570.00} per month. 
I am XXXX XXXX XXXX and can not afford ridiculous payment amounts and am not legally required to pay on a note that can not be substantiated. 
I work in XXXX XXXX and know the legalities that are involved. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact Transunion, XXXX, and XXXX. I have also called the companies in which the inquiries were made and they were unwilling to help.

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 2020-02-18
Company: EQUIFAX, INC.
State: WA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$170.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$170.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
See my complaint attached. See XXXX XXXX vs. XXXX XXXX Transcript attached. See emails attached. I am waiting for Ocwen Loan Servicing counsel XXXX XXXX to respond to my email providing me with a good a day and time when my FBI forensic signature expert can authenticate the American Home Mortgage Modification with my forged signature. The Schedule A with my forged initials. The void assignment and the Manufactured Note. I have attached a part of the 2010 transcript of robo-witness XXXX XXXX swearing under oath to have all the records with him during the trial. Robo-witness XXXX XXXX changed his stories multiple times recalling things from his memory and remembering things around this day and that day. Having no records of amount owed on the bogus loan. Robo-witness - I do n't know of the exact amount! The Judge - the witness could not lay a foundation. XXXX XXXX - XXXX XXXX XXXX owe more then {$300000.00}? The Judge - He said he do n't know! Robo-witness XXXX XXXX either had all the records with him or his did n't? XXXX XXXX, American Home Mortgage and crooked attorneys committed fraud upon the court to be guaranteed favorable judgment to embezzle my home doing the time I was declared permanently XXXX hospitalized and unable to defend myself. Ocwen Loan Servicing unorganized crime operation and its shady pathological employees who lie through there teeth are attempting to illegally embezzle my home to enrich themselves. Ocwen Loan Servicing is the  worst unorganized crime operation of them all. How much more will the American people take?

Company response to consumer: Closed with explanation