BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A home in our sub-division, XXXX XXXX, XXXX XXXX, CO XXXX was abandoned, and the mortgage company now owns it. However, the mortgage company has refused to provide upkeep on the yard. It is now so overgrown with weeds and grass that it has created an eyesore, and affects the value of the homes surrounding it. 

I contacted the mortgage company, Mr. Cooper, starting on XX/XX/2019 to notify them of the condition of the exterior grounds, and to request that it be addressed immediately. I was assured it would be addressed by their preservation team. 

No action whatsoever has been taken by Mr. Cooper despite multiple subsequent calls in which I have been assured that the yard maintenance would be done. 
This a middle-income neighborhood that is doing its best to maintain our homes and our property values. Mr. Coopers negligence is affecting the value of the homes in the neighborhood, and is an insult to our community. As XXXX of the XXXX XXXX, I represent the XXXX XXXX  XXXX members who have had enough of Mr. Coopers purposeful neglect. 

Mr. Cooper is doing a disservice to our neighborhood, and is showing a lack of respect for the responsibilities of property ownership that is disgraceful. 
While several neighbors have volunteered to help clean up this property, this would be encouraging Mr. Cooper in its negligence and disrespect and has been declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My Credit report shows : " Paid. Closed. '' XXXX This language INACCURATELY represents the account, as the account has actually been " Paid In Full. '' Moreover, XXXX ( Company filing complaint against ) has even provided a letter showing so. Please see text copied from original PDF below : In addition, I have requested the account be RECALLED and DELETED from my credit report. The Original Creditor has also confirmed the balance as XXXX DOLLARS. 

PDF Text of Payment Letter : XXXX XXXX XXXX Mispelled first name ; should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX www.ercbpo.com/help Office Hours ( Eastern Time ) : XXXX XXXX  XXXX XXXX M Th XXXX XXXX   XXXX XXXX F XXXX XXXX XXXX XXXX Sat. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance Paid : {$410.00} Reference # : XXXX XXXX XXXX : This is to inform you that we have received payment ( s ) totaling {$410.00}. Your last payment was received in our office on XX/XX/2017. The above referenced account is paid in full. 
This agreement is contingent upon the successful clearance of all payment ( s ) made towards this offer ; if any payment ( s ) made as part of this agreement fail to clear, this letter will be null and void. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-11-19
Company: M&T BANK CORPORATION
State: RI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Currently my husband and I are behind on our mortgage due to my husband being out of work and having a disabled child which requires a significant amount of medical expenses, therapies, and a special diet. I tried to make a payment via phone for XXXX month and I was told that the company will only accept atleast two months of payments which I could not afford at the time. I think received a bank check from my bank and mailed it in for a payment at which time the payment was returned with a letter stating unless we can pay the full amount that is past due in full which is {$7900.00} then our home will go into foreclosure. 

We claimed bankruptcy in XXXX XXXX and I have n't been offered any other payment options other than pay in full which I am unable to do right now. We do not want to lose our home and we are willing to pay.

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 2020-05-01
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After watching an infomercial on TV about credit and how it is important to check it regularly, I decided to check mine even though I rarely use it. I discovered an unknown account on my credit from a company called Enhanced RecoveryXXXX it says its for XXXX. I have had XXXX XXXX XXXX for the past 10 years and I have never had an account with XXXX. I don't know where they- Enhanced Recovery get their data from but this is far from the truth!! I have also loved at my address for 10 years and I have never received a notice or call from them. I feel like my rights have been violated. I have sent them a dispute notice and I have yet to hear back. I know the pandemic has slowed things down a bit- I get it- but the account should have never been placed on my credit in the first place. 

ENHANCE RECOVERY ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In accordance with State of Florida Department of Financial Services, it is not mandatory for homeowners to carry homeowners insurance. Two of my previous lenders did not require this insurance. Since the acquisition of my loan by Mr. Cooper, they as a new lender had to notify me about their requirements in a timely manner. This has not been done. 

Due to Mr. Cooper 's negligence, I ended up with so-called shortage of the escrow account. I have repeatedly called this company regarding the escrow account that had been created but never received detailed explanation what is it for and how it works in my case. 

It looks like this account is just a trick to extort money from me. I strongly oppose paying any fines and maintaining {$1200.00} balance in my escrow account because Mr. Cooper artificially created this situation by not notifying me prior to mortgage loan acquisition.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: AZ
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:
I have filed and been discharged from a chapter XXXX bankruptcy. I was also a victim of identity theft a couple years back, I submitted all information to ALL 3 BUREAUS TO HAVE MY information fixed. No one has fixed the information. I now have 85 INQUIRIES on my credit report which were unauthorized. Please 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 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have filed and been discharged from a chapter XXXX bankruptcy. I was also a victim of identity theft a couple years back, I submitted all information to ALL 3 BUREAUS TO HAVE MY information fixed. No one has fixed the information. I now have XXXX  INQUIRIES on my credit report which were unauthorized. Please 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 2017-11-19
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX I received a subpoena from Ally financial inc and legal advisers XXXX, XXXX, XXXX, XXXX XXXX. While surveying it I found exhibit c, a notice of rights to dispute debt. I never received this notice dated XXXX XXXX 2017. I called both respondents and informed them and the said i had received it because it did not come back in the mail. I believe this is unsatisfactory, careless and unprofessional. I have written a request for my 30 day notice period and a notice with correct date of XX/XX/XXXX to be sent to me. I have mailed this certified mail and express.The cost was not expensive. So how is it I, who has been out of work, can afford to be professional unlike a bank such as Ally or lawyers who get paid such exuberant amounts just to file suite . I intend to pay off the total amount, but when i requested where to have the money wired Ally refused to tell me until they called their lawyers so they can get a total with lawyer fees included. If they had given me an actual notice along with 30 days to fix this I would never have been expected to pay their attorneys fees. Might i just add the actual value is {$12000.00} and they say i owe {$17000.00} plus lawyer fees of {$2500.00} a total of {$19000.00}, this is highway robbery!

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 2017-11-19
Company: I.C. System, Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is not my account possibly identity theft

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 2019-10-03
Company: ID Analytics, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried calling the company of Sagestream LLC numerous times no call back once left voicemail on XXXX. If they are provinding my credit to any company I need too know and also freeze in which I have been calling to get a copy n too freeze from use. Its a recording to where someone will call you but no one ever answers or call back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is regarding account # XXXX, which you claim, I owe [ {$120.00} or my account was charged off {$120.00} ]. This is a formal notice that your claim is disputed. acount # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The payroll department ( my employer ) has brought to my attention I have a new garnishment. When looking into it I found it was for an unpaid balance on a XXXX card. I had 4 credit card balance, XXXX being one of them, that were paid in full XX/XX/XXXX. In XX/XX/XXXX, we paid {$6700.00} to pay the XXXX credit card in full and closed the account. Now I'm being told I owe over {$700.00} and my check will be garnished in the amount of {$380.00} at the end of this month if I can't provide proof. It was so long ago I'm not sure how to do that. I know in XXXX my mother wrote the check in the amount of XXXX but no longer have proof of the account being closed as it was over 15 years ago. Also my employer said that I paid {$4.00}, xxx toward this debt in XXXX and XXXX. I was overwhelmed with medical debt at that time and didn't question it. I feel I do not owe the $ XXXX the collection company is trying to obtain from me as we as the {$4.00}, xxx I have already paid. Please help! The debt collector company number is XXXX and email : XXXX Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Tuesday, XX/XX/2018 I received notification from XXXX that my credit score had  dropped due to a collections that had been posted to my credit history from a creditor named XXXX XXXX ... an apparent creditor for XXXX. The collections agency assigned to collect the debt is XXXX XXXX XXXX ( XXXX ). 

I spoke with a representative who identified himself as XXXX XXXX with XXXX XXXX XXXX and he told me that they showed I owed {$710.00} on an open XXXX Account, account number XXXX. 

The credit change to my report stated that between XX/XX/2018 and XX/XX/2018 a " new account '' was added in collections to my credit report. 

I have no open, unpaid accounts with XXXX and this bogus, ridiculous hacking of my credit report is unacceptable and I would like evidence of my obligation to any XXXX account. 

I think it's an outrage and a discredit to XXXX XXXX apparent inability to identify closed, paid off accounts and I dispute this derogatory mark that they have placed on my credit report and would like it removed immediately. 

I have had repeated issues in the past with harassment from XXXX on either a bogus account or accounts that were not properly reflected as paid off. 

My credit score has gone down nearly 30 points because of this inept misinformation presented by XXXX XXXX and the XXXX XXXX XXXX. Please help me resolve this matter. 

Thank you, XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Paypal Holdings, Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Paypal gave via the attached email a Notice of Levy on XX/XX/2018 from XXXX XXXX with the Internal Revenue Service. On the notice was the phone number XXXX. After calling the number I found that it was a promotional line and a scam I have requested by registered mail that PayPal 's legal department to send me a copy of the Notice of Levy, ( which is not a levy ) and they have failed to do the same. Besides a Notice of Levy not being a lawful levy,. this is a scam in which Paypal has refused to communicate about it nor will they send the paper work that justified the said levy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 opened my account with XXXX XXXX in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my XXXX XXXX account had been closed. I immediately called XXXX XXXX attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but XXXX XXXX is denying to accept the payment even before the actual billing cycle ends.

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 2016-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Working on submitting dispute issue with TransUnion credit reporting company. 
This account was Legally paid in full for less than the full balance several years ago through XXXX XXXX. 
On XXXX/XXXX/16 I submitted a consumer credit complaint but the issue was only corrected with the XXXX Credit Reporting Agency still showing on my XXXX & TransUnion Credit Reports.

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 2018-03-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax continues to report inaccurate items attached to a bankruptcy that is no longer reporting to my file : XXXX XXXX XXXX XXXX XX/XX/2010 no bankruptcy on file XXXX   XXXX XXXX XX/XX/2010 no bankruptcy on file XXXX XXXX XXXX XX/XX/2010 no bankruptcy on file 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a  consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Equifax has been malicious and bold in these matters because they have not been sued enough. I fully intend to pursue any and all remedies available to me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I called Ditech to request an Escrow Analysis on XX/XX/2019 do to state tax exemption for XXXX persons. I was told that it would take 5-7 business days to complete. I called several times after the 7 business days and then I was told it was not processing and I would now have to wait 60 days prior to requesting a new Escrow Analysis. I live in Georgia and my state law requires mortgage companies to complete Escrow Analysis within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: AZ
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 opened my account with XXXX XXXX in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my XXXX XXXX account had been closed. I immediately called XXXX XXXX attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but XXXX XXXX is denying to accept the payment even before the actual billing cycle ends.

Company response to consumer: Closed with explanation