BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have tried to sell my house know for 5 years and the deals all fall short a few days before closing when the title commitment is expected to be issued. XX/XX/XXXX XXXX claims to have paid off my original purchase mortgage XX/XX/XXXX and for some reason have no financial records to prove that they paid a dime for the mortgage. The mortgage is stamped cancelled with no indication of being satisfied. I have tried to get the release of lien and discharge so I can sell the house but XX/XX/XXXXXXXX doesn't have it. Taking into consideration that XX/XX/XXXX XXXX has no proof of paying off the mortgage it is very hard to believe that the " mortgage '' has been transferred time and time over again to a party that lays out over {$100000.00} and has absolutely no proof of payment to Hudson City Savings Bank. It is very hard to believe that any party would buy paper with no paper trail and pass it from one party to another on a regular basis. Take a look at the attachment that shows in book XXXX page 96 the lot and the block was changed. 
I not exactly certain where the fraud is but I am very sure that fraud has taken place. 


I need to get ALL the information for my Hudson City Savings Bank mortgage said to be issued on or around XX/XX/XXXX for XXXX XXXX XXXX for my XXXX XXXX XXXX XXXX, XXXX XXXX house. The mortgage origination number was XXXX the alleged mortgage number is XXXX I need to know if the mortgage was actually issued, recalled or foreclosed. 
I need to know if the mortgage was paid off and who paid the mortgage off and the ate it was paid off and the amount paid if any. 
I also need to know the current status and why there is no release of lien or discharge of mortgage and how to get such records if they exist. 

I would greatly appreciate your cooperation with this very serious matter.

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 2018-07-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 The Inquiry above is fraudulent. Please investigate and remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Immediate Credit Recovery
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After several disputes finally received letter from XXXX XXXX without definition clear and lawful definition of payment in dissatisfaction. 

Disputed liability of alleged obligations as 15 U.S. Code 1692a3 natural consumer and 15 U.S. Code 1692a ( 4 ) original creditor having extended my 12 CFR 1002.2 ( j ) credit via 15 USC 1602 ( l ) social security 12 CFR 1002.2 ( a ) account number compelled against 42 U.S.C. 408a8 and Public law 93-579. ssn belongs to the SSA and anything obtained with the identifier number is a obligation of the United States 18 U.S.C. 8, UCC 9-307 ( h ). Anyone attempting to collect a debt from me obstructing commerce and in violation of The False Claims Act ( FCA ), 31 U.S.C. 3729 - 3733. 

XXXX XXXX, Department of Education, XXXX XXXX has 18 U.S.C. 241 ; 242 conspired to deprived me my right to credit and denied me satisfaction and accord of obligations per 18 U.S.C. 8 obligation of the United States, for satisfaction and accord and per 15 U.S.C. 1 illegal restraint of trade debt collectors refused to restore credit to good standing and has impaired my right to open-end credit. 

Art. 1 Sec. 10, No State shall enter into any Treaty, Alliance, or Confederation shall make any Thing but gold and silver Coin a Tender in Payment of Debts ...

All parties have said they will accept anything except lawful money, gold and silver for payment of debts, and all have neglected via 15 U.S. Code 1692e. false or misleading representations their fiduciary duty in the acts of Misfeasance, nonfeasance and malfeasance to settle the obligations for full acquittance and discharge without liability per 50 USC 4305b2 and has restraint my right of trade and is in breach of trust per 15 U.S.C. 1 whereby alleged obligations are rendered an obligation of the United States as per the supremacy clause- any Thing in the Constitution or Laws of any state to the Contrary notwithstanding.

I have disputed obligations several times with credit reporting bureaus, Experian, Equifax and Transunion who has conspired also to invalidate title 18 U.S.C. 8 obligation of the United States and hold my person liable for the obligations.

My credit has been discriminated and I have been impaired from getting a home. This injury has been nerve wrecking and emotionally distressing without remedy.

As original creditor/grantor/lessor of personal data, I reserve all rights to proceeds, titles, interest where my personal data valued at XXXX XXXX  per entity, per year for misuse and negligence to settle obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. XXXX XXXX XXXX have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.

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 2017-09-15
Company: Early Warning Services, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was told by a representative at XXXX XXXX XXXX that multiple fraud checks were attempted to be deposited into my account and were returned as frauds. 

They informed me to contact consumer agency reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: AXOS FINANCIAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get a payoff so I can refinance. Axos Bank says they have 7 days to respond, well this is work days and if there is a banking holiday that adds time so I am now 11 days/ 8 bank days into this process and don't have a payoff. I did get a half hearted call to see if I wanted to refinance with them. Today it supposedly escalated and assured i would get the payoff today since a supervisor was working on it but nothing. I do this for work all the time with banks and other mortgage companies and only have to wait hours not days!. Help Axos holds us hostage when we try and refinance with others!! 
Initiated Payoff Message on XXXX as their instructions state, system does not even acknowledge message received or response will come. 
Called XX/XX/12 to see if they were working on my payoff, was told yes we see your message but they have 7 days, so he says you won't get it until the 7th day so not up to 7 days, they don't do anything until 7 days Day 6 ( really day 10 ) I get the call to see if I want to refinance.

Day 7 nothing Day 8 I call person says sorry, talked to supervisor and assured me they would send payoff today! NOTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent at least three letters to XXXX, XXXX, and Transunion in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all 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 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
There has been several inquiries that I did not authorize. 
XXXX XXXX XXXXXX/XX/XXXX US Small Business Admin XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I would like these removed from my credit report as I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Sentry Recovery and Collections, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, Sentry Recovery and Collection reported a collection account for XXXX XXXX XXXX in the amount of {$140.00} on my credit bureau file. On XX/XX/2020, I sent a letter to Sentry Recovery and Collection disputing the debt and requesting validation ( see attached ). They did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Sentry Recovery and Collection has never contacted me or sent any information regarding the validation of this debt. Sentry Recovery and Collection has violated multiple FDCPA laws. Sentry Recovery and Collection has a history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. I have filed a complaint with Florida Attorney Generals Office and included copies of all correspondence. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: WELLS FARGO & COMPANY
State: NC
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:
In my particular case, I was attempting to schedule a student loan payment to WELLS FARGO via their website so I could leave town &  know my bills were paid. Since XX/XX/2011 I have never been allowed to schedule the payment nor has it ever been late. Whatever day I went to their website was the day the payment would be pulled from my account. Today I decided to contact them and ask why I wasn't permitted to schedule the payment instead of same day pull of payment. The only explanation that I received was that WELLS FARGO doesn't permit the scheduling in advance of a student loan payment. Basically there is no real reason other than " because I said so '' from WELLS FARGO. I was told that I had to either do auto draft or log in on the day I wished to pay. This information was provided to me by their technical support team because there was confusion on the part of the customer service rep that first attempted to assist me. Even the technical support lady couldn't understand why I wasn't allowed to schedule a payment. Again, I have never been late on this payment - ever. My call was transferred back to the student loan dept and the supervisor basically said that this is how WELLS FARGO set up my student loan. With today 's technology, I should have the ability to schedule the payment to WELLS FARGO.

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 2020-05-20
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Account was disputed at the time as inaccurate. Removed in XXXX of 2019. Loan # XXXX Lender being Dovenmuehle Mortgage. Account is in fact accurate and correct. This was a mistake by myself. The consumer XXXX XXXX XXXX XXXX. Dovenmuehle is now continuing to report this information as current, XXXX  continues to suppress and block this correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Information belongs to someone else

Complaint:
I am making this complaint by myself with no help from a third party. I noticed some accounts on my credit that do not belong to me i tried getting them removed from the credit bureaus to no avail.

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 2018-10-03
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Graduation 2006. $ XXXXdebt/Flooded in Katrina . Home flooded, my wife and children had to relocate/join me in TN. Have aggressively paid Loans. We Question how Principle is applied, the 10Year Forgiveness Program, and Income-Based Exclusionary Loan Forgiveness Program. Responsibile Good Stewards of Loan Repayments. Countless phone calls, begging, seeking Resolution. 1st complaint XXXX. The process restarts with a new high school graduate, Been unable to contribute to a college fund. Navient is Criminal and Stifling in its Loan Practice. MS Navient Lawsuit/Attorney General XXXX XXXX. Balance- {$19000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started with XXXX XXXX. I filled bankruptcy in 2019. During the bankruptcy process my house was sold to Carrington. Since then I was behind from the previous during my bankruptcy with XXXX. Now Carrington owns it. I had to pay XXXX basically to keep my house. I paid that and was caught up on the mortgage. Since then Ive fell behind on my mortgage again by two months now with the exception of they wont allow me to make this month of XXXX. Carrington will not let me pay my monthly note with a little extra at a time to catch up. They want it all at once. Being that Im a single household income and playing catch up at the beginning of the year has set me back again. I only owe XXXX on my house. The house market value is XXXX. I think they are trying to make me lose it so they can cash in on the Equity. They tell me since its a federal loan I cant make partial payments to catch it up. When I was with XXXX I was able to do that during hard times. Now since they own it I cant do that. Which seems odd to me? I need someone who knows about the matter or could give advices to call me. My name is XXXX XXXX. My phone number is XXXX. Looking for a solution to a big problem. I believe they are trying to steal my house for the equity. Doesnt make since you wouldnt let me make a payment with a little extra to catch up. Not allowing me to pay just puts it further behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2017, I made a late payment on my mortgage to M & T Bank. It was not yet past 30 days, but it was late. I paid via my online checking account from XXXX. I entered the wrong address for M & T, and the check was sent to their office in Texas. The money immediately left my checking account, so I figured they received it. They never did, so I had to cancel the check from XXXX, and I re-sent the payment online, this time on M & T 's MyMortgage website. At this point it must have been past 30 days late. When I spoke to customer service, they said they'd charge the late fee but it would not show up on my credit report. 

Now, almost a year later, a mortgage broker pulled my credit and it's showing up as a negative mark on my credit report. M & T says they can not remove the negative mark, that I have to file a dispute with the credit bureaus.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: IL
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:
When I reached out to dispute, their was no response and it still appears on my credit report. I disputed it through experian XX/XX/2022.

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 2017-09-15
Company: EQUIFAX, INC.
State: NY
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:
To my knowledge Equifax has been hacked, and many peoples information has been revealed and used. I checked for myself using my personal information, and Equifax states that I may be  among the people who have had the important personal information tampered with. I need my information protected! I need to be assured there is no improper use of my credit by anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: CA
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:
Supposedly I owe the amount of {$310.00} dollars to collection agency XXXX XXXX XXXX XXXX. At around the time in question I was still out of it, and was on some XXXX medications from my XXXX  XXXX. I had XXXX XXXX XXXX, and am still XXXX from my XXXX XXXX. I would love to see the paperwork or some kind of proof that it 's mine, I could n't even have signed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX XXXXXXXX XXXX . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXXXXXX XXXX I made one last attempted to resolve issue with XXXXXXXX XXXX and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXXXXXX XXXX had sold account back on XX/XX/2018 to XXXX XXXX. 

XXXXXXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have 2 submitted disputes with this company. XX/XX/XXXX and XX/XX/XXXX. I have no knowledge of this account being opened. I have asked for supporting documentation and proof that I indeed opened the account but nothing has been provided to me. This is a fraudulent account.

Company response to consumer: Closed with explanation