BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A robocall was received from XXXX on XX/XX/2020 that went to voicemail leaving the same call back number. Internet searches reveal this to be " XXXX XXXX XXXX XXXX '', a company known for fraudulent calls and harassing people. My number is only used for a few close friends and there are no debts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: AMERICAN FINANCING CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a loan because they were supposed to specialize in loans to Vets. They changed loan products 4 times each time taking us through the process until the end when they said something did not pan out. We had over 150 email. Submitted 100 pieces of documents and many phone calls and texts. I asked that the last time they just submit my loan with the information they had because I am a banker I felt and still do that we qualified. At this time there are too many communications to list. We are requesting that you help facilitate,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Disputed a chap XXXX bankruptcy with all 3 credit reports. Transunion, XXXX and XXXX failed to verfiy within 30 days the items disputed, in addition not provide results of the investigation within 30 days.

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 2022-04-05
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to INNOVIS and there is no third party involved. INNOVIS has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. I ALSO DEMAND THE INNOVIS VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: SYNCHRONY FINANCIAL
State: NJ
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 received a5 letters and numerous phone calls from XXXX and associates. I told them to stop calling. I searched online and found out this is a scam company in California. The man repeated my social security number to me and was threatening. I do not have any account with this XXXX. I do not owe them any outstanding money. This is not on my credit report. I feel this is a scam and it needs to be corrected. I do not owe any money to these people .I have no idea what they are talking about. The phone number on their website is different from the phone number on their letter.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 2017-10-05
Company: BB&T CORPORATION
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 information incorrect

Complaint:
XXXX XXXX is updating an account on my credit profile every month on an amount that is not owed to them. They are saying that I have a balance of $ 7000+ when I do not owe this company anything. I never received a notice of deficiency from the sale of a car that was repossessed. No notices was sent to me regarding this information. I have request proof of these notices and this company will not comply. This balance should not be reported to the credit bureaus. They also go into the account and report it every month to the credit bureaus so that it appears as a new account. They have very unfair practices.

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 2022-03-10
Company: EQUIFAX, 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:
I have been disputing this information since XX/XX/XXXX I sent a dispute out on XX/XX/XXXX which included a affidavit that has yet to be responded to. By law as a natural living human I have not waived any of my rights I am stating that my rights are reserved under UCC 1-308. I have proof that the affidavit was sent from my recent dispute number ( XXXX ) ( XXXX ) ( XXXX ) I will also be providing the police report that I have sent multiple times with this document as well this is the final step I am taking before seeking litigation against Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
My debt was sold. The amount is inaccurate. The debt was supposed to be removed from my account. However they reported the account was open in 2019 which is not true the amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  the following companies have violated your rights : XXXX XXXX XXXX Account # XXXX - {$490.00} & {$690.00} XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX & # XXXX XXXX XXXX Account # XXXX Security Finance Account # XXXX XXXX XXXX XXXXt # XXXX 15 U.S.C.1681 Section 602A - States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 -It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
State: GA
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:
This complaint is a response to Experian 's response to my original complaint. Complaint ID : XXXX Experian stated it was accurate as reported, however did n't explain how it was verified, which is what the original complaint was for. 

What steps did you take to verify the XXXX XXXX ( XXXX ) account on my credit report? 

What did the company present to you as proof of verification? 

I do n't recognize this account, and according to the Fair Credit Reporting Act, I am entitled to a copy of the original contract, which I have not received. To go further, Experian is no longer showing a balance on the XXXX XXXX account and I have n't even made a payment towards XXXX XXXX. This istem needs to be removed because they do n't even know what they 're doing anymore and its hurting my credit report.

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 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a cashier 's check of {$3300.00} into my new account with Capital One 's XXXX checking accounts on XX/XX/XXXX. My funds have not been available for withdrawal and any attempts to touch my balance is denied. 

I have been calling their financial security department for two weeks and have experienced high wait times, over an hour waiting, with no assistance with this issue. Their customer service department can not assist retrieving my funds and I receive no callbacks from their security department. 

As of today XX/XX/XXXX, Capital One is holding over {$3300.00} of my money hostage in their system. They have no interest in releasing my funds, and have cost me late payments and a credit card fee for a denied payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: AFNI INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently got a call today from a company called XXXX  I honestly have absolutely no clue what this is all about. When I tried to callback I get a automatic system robot not a actual human being. No actual person, or name or reference to what this is pertaining to. I do not have any outstanding debt from this so called company. Please inform them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Ballybunion Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a collection from the freedom acceptance/military credit for XXXX that appears on my credit report stating I'm delinquent from XXXX. I have not served in the military since XXXX ( has XXXX ). I have not purchased anything from this company that year. I did purchase items from them back in XXXX but it was not XXXX worth of merchandise. It has been XXXX  years since then but it shows that this was recently purchased. I have reached out to XXXX and XXXX via email with no response requesting for any information proving the validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Contacted Midland Funding back in XX/XX/2016 as I am unaware of this creditor the debt collection is for {$1000.00}. They did not have any information regarding who the creditor is, so I am not sure if this is a duplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Netspend Corporation
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXXXXXX XXXX close my account without prior notice and send me email stating for me to call them that it's very important. Once the informed me that my bank account was closed and asking why their told me that I was high risk. I stated that my payroll will be deposit on XX/XX/2022. I ask to speak to someone in management I am waiting almost one hour to speak too someone, and final told me that can not re-open my account because risk management told them to close it. However, explained to them my check will be rejected and sent back to XXXX. Also, XXXX allows payment to go through too a company that got paid already twice.

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 2018-01-03
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I got locked out for 25 days now, when I tried to set up the account on my new phone. Have no access to my funds and cannot reach anyone who can help. Waited hours on the phone numerous times to hear the same response “you have to wait for a specialist to assist you”.  This “specialist” cannot be reached and don’t know when they will respond.  Coinbase is holding up my money and there is nothing I can do about it!!!Ticket submitted on XXXX-2017Case #XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted a complaint to CFPB regarding inappropriate actions taken by Shellpoint Mortgage/New Rez, the mortgage servicer who services my home loan. Shellpoint was not paying my taxes on time despite receiving monthly escrows and constant phone calls from me urging them to correct this error. On XX/XX/XXXX I contacted CFPB for a status update since I hadn't received any feedback. In turn, CFPB shared a letter addressed from Shellpoint to me indicating that they acknowledge the error ( see attached ). However, Shellpoint also said that due to anticipated tax increases my escrow payments will be increased.This is not accurate because ( 1 ) my property taxes have not changed and are not scheduled to change anytime soon ( see attached tax bill for 2020 ), ( 2 ) in NJ property taxes do not change unless your property has been altered, which is not the case in my situation and 3 ) taxes are determined XX/XX/XXXX of the previous year, so my taxes are pre-determined. " In New Jersey, taxes on real property -- land and structures -- are assessed based on their value on the first day of XXXX of the year that precedes the first installment of the tax bill. Your property tax bill is divided into four installments due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. '' I have been in the same house for nearly 17 years. 
Based on the above, there is no basis for Shellpoint to increase my escrows. Again, my desired resolution here is to be allowed to pay my taxes directly as I do not trust the practices of Shellpoint ; they are known to be nefarious. 

cc : NJ Consumer Affairs Attorney General Office of NJ Department of Banking & Insurance of NJ

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Third submission XXXX/XXXX/XXXX I spoke to an Ocwen representative the week of XXXX XXXX and was informed that Ocwen was still working on this inquiry. I was informed that my property was NOT in foreclosure. I received a letter from an attorney that my property was in foreclosure. 

I have been misled again by Ocwen and deceived. I have not had a resolution to a modification request and appeal for over 6 months. Ocwen 1 ) asked me for money for an appraisal that was sent by me but never cashed or returned to address the modification appeal related to the valuation of the home, 2 ) Offered a modification if I had XXXX payment, of which I had/have but never sent paperwork to make the adjustment and modification, 3 ) promised to review the last data I sent them over a month ago and call me with resolution but never has, and 4 ) lost or can not find documents they sent to me that I kept and sent to them directed me what to do with the modification appeal. 

Please investigate. 

To : CFPB Im frustrated. I took a call today at XXXX with a representative of Ocwen. I was informed that my home is active in foreclosure. I have been challenging and appealing the matter for almost 5 months. 

As of today, Ocwen reps do not have and have not resolved the original appeal. 

Failed to take into account that I followed instructions. 

Cant find the {$200.00} check I sent for the internal review. 

Has not addressed this letter and the rep does not even know about this letter. 

Wants me to do another letter modification packet with Ocwen instead of resolving this issue on the appeal. 

Noted that I inquired about a payoff and I did not make a request which is a fraud alert activity on my account. 

Please stop the foreclosure action and review the records you agreed to review and resolve the valuation appeal that has been outstanding since earlier this year. 

XXXX Letter To : Appeals Unit, Consumer Finance Protection Bureau XXXXXXXXXXXX XXXX This is a partial letter with the full letter to be attached. The focus here is on repeated request for resolution of an appeal made in early XXXX. 

I disputed the appraisal and assessment in XXXX. Ive sent in a check for {$200.00} for an internal appraisal. I missed my appointment with Ocwen Monday XXXX XXXX, XXXX. 

The home has water damage and suffered a burglary. The pictures of these items as well as the estimate to repair are attached. 

I do inhabit the home in XXXX. 

Please reset my call with Ocwen and my relationship manager to discuss these items. 

This information is true and accurate to the best of my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: ALLY FINANCIAL INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX XXXX I signed a contract with XXXX XXXX XXXX  and Ally financial. I canceled the contract within the required 3 business days by email and phone with both companies. Ally continued to forward DocuSign documents emails thanking me for signing them, each time with different dates and dollar amounts. I emailed and called Ally and informed them that I was receiving signed documents, signed by XXXX XXXX XXXX ), which is not my legal name. My legal name is ( XXXX XXXX XXXX and I had not signed them. I was repeatedly told by Ally to disregard the documents. I received a credit denial letter from Ally on XX/XX/2022. On XX/XX/2022, I received a bill for {$XXXX} which is threatening to affect my credit with late payments. I have called Ally several times without success. I am an XXXX XXXX Veteran and have also reported this incident to the FBI elderly crimes unit.

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 2022-04-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-05-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Payment for XX/XX/XXXX was taken out of my account on XX/XX/XXXX making my payment 30 days late, contacted the mortgage company and they stated that I needed to write a letter to explain the situation. I then asked for an e-mail address to where to send the letter and was told that they did not have an e-mail address and documents had to be faxed, I received the fax number and submitted a letter explaining that they had removed the payment for XX/XX/XXXX on XX/XX/XXXX. My credit report still has a 30 day late showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX  when I enrolled at XXXX XXXX XXXX in XXXX, I believe Sallie Mae ( now Navient ) was predatorily taking loans out to " continue '' my enrollment within the school. During my stay within XXXX I was constantly pulled out of class to quickly sign loan paperwork to " secure '' my enrollment in the program. Totals exceed XXXX XXXX dollars and particulars can be provided if needed. 
I have attempted to remedy and pay off these outstanding Loans with Sallie Mae and now Navient to no avail. I have enrolled in " repayment '' programs to only be more in debt or default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: MARINER FINANCE, LLC
State: IN
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 filed for XXXX XXXX bankruptcy in XX/XX/XXXX. By bankruptcy was discharged XX/XX/XXXX on a 100 % repayment. I have a creditor, Mariner Finance, that reported my account as severely delinquent during my bankruptcy period. This creditor was included in my plan however the credit bureaus indicated that the creditor provided sufficient documentation to support their actions.

Company response to consumer: Closed with non-monetary relief