BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-12
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The issue is with my 2nd Mortgage for {$45000.00}, I took it out back in XXXX with XXXX XXXX Diversified Mortgage Services, acquired in XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. 

The Lien with XXXX was never Discharged and Released by the Servicing Lender. 

XXXX sold the Mortgage to Specialized Loan Servicing ( SLS ) the same day of the closing, but nothing was ever filed at that time, even though they become the servicing lender throughout the years. 

I was granted a Discharge Notice ; XXXX/XXXX/XXXX which was sent to SLS thru the filing of my bankruptcy. 

Recently this year, I reached out to XXXX and they said that they no longer owned this mortgage and that I must go back to who serviced the loan. I remember I made payments to SLS. So, I did a little research thru MERS and found the MIN and looked it up, it was active under SLS. I reached out to SLS several times, but the persons I made contact with passed it on internally and would not give me any answers or info to who I should be speaking with about solving this. They just ignore my emails and its impossible to get anyone on the phone to call me back.Not communicating leads me to believe this is a great big mess and that no one wants to deal with it!

To recap ; the only 2nd Mortgage Lien was originally filed against my property by XXXX XXXX in XXXX, later they got acquired by XXXX in XXXX. Keep in mind, the 2nd mortgage was sold off to SLS by the day of the closing in XXXX, but never filed at the county court house back then. SLS became the servicing lender between XXXX and XXXX. At that point the mortgage was discharged and SLS did receive notice. Under MERS it is active with SLS, but the Lien with XXXX is still on record and not discharged. I would think maybe the Title Insurance Company ; XXXX XXXX would play a role in this as well, but I am not getting anywhere with anyone. 

This house is all I have even though its underwater. It provides a decent roof over my head, while I care for my elderly father and raise my XXXX children. I need some real help here.

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 2019-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i do not know why this company keeps calling me, when i answer the phone, nobody is there to respond. they call from over 10,000 phone numbers, when i attempt to block them, it comes up under portfolio recov. they will not stop calling, they even call my parents since i never give it out. it is harassment to it is harassment to the 9th degree. 
i have blocked their number every day five times a day, and they still call from a different number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Obtained credit card back in 2020 upon review of statement found charges that I did not make. 
Contacted credit card company via phone call informing them of the charges which I did not make. At which I was transfered to the fraud department of XXXX XXXXXXXX credit card I informed the customer service representative of the purchases on my card and explained they were not mine and i did not make them. At this time I 2as told by the CSR of the fraud unit that they would handle it from there on out. There was no need for further follow up on my end. 
Now 2 years later I have received a summons for this outstanding debt that I did not make and reported to XXXX XXXX fraud unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Our loan recorded and originated on XX/XX/XXXX. We signed a HELOC NOTICE TO BORROWERS stating we would not receive the unfunded portion of our loan until the loan is sold or for ninety days, whichever is longer ( XX/XX/XXXX ). The loan was sold to Specialized Loan Services on XX/XX/XXXX and they became the servicer as of XX/XX/XXXX. Specialized Loan Services is in breach of our contract and after speaking to 8 different representatives, they will not transfer me to an escalation manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bill was paid immediately after the services were provided total amount was paid for both bills, but billing department sent item to collections without any notice, I was notified by my credit reporting block service that m credit score had dropped significantly which is affecting my score in a way that is not recoverable. Both XXXX XXXX and Plus 4 here in XXXX XXXX violate this protection all the time they have done this to me 3 separate times this company threaten people if they contact you, and when they don't they threaten you when you contact them. there contact information is XXXX and they often operate under different name at different times.

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 2023-02-24
Company: Experian Information Solutions 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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$3000.00}

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 2019-02-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received a call from my phone company XXXX XXXX XXXX this afternoon saying that my phone bill was not pay and i made a payment over a month ago and didnt receive anything from the back that it was declined now Im being charged double with an overdraft

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, 2023 CHILD SUPPORT GARNISHMENT MADE filed XXXX XXXX, 2023, pension check deposited into account and garnished XXXX XX/XX/2023, {$160.00} pension money garnishment removed money from account XXXX XXXX, 2023, {$80.00} fee for fund transfer XXXX XXXX, 2023, {$160.00} garnished pension money deposited XXXX XXXX, 2023, {$80.00} fee access without explanation. 
7-5th 3rd policy not to garnish Social Security or pension deposit and maybe state and federal law. 
8-Pension deposit on confiscated after completed transfer of fee {$80.00} and charge twice {$160.00} for same transfer XXXX Contacted Bank ever day starting Saturday XX/XX/2023, disputing activity and remind them of their policy on pension funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
ACE XXXX XXXX To : ACE XXXX Thu, XX/XX/XXXX at XXXX XXXX  CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICE This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of Cash Advance Company in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter. 

Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too.

THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 

Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 

WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED. 

If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) -XXXX-XXXX  between working hours XXXX XXXX  to XXXX XXXX  ( EST ). 



In order to resolve this you can contact us at XXXX or E-mail us back onto the same email. 

Best Wishes ACE CASH SERVICES Phone ( XXXX ) -XXXX-XXXX  Department of Law & Enforcement ( XXXX ) Terms of use | Privacy Statement Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: CNG HOLDINGS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
This is coming from a phone number XXXX. She stated in a phone call that i had committed fraud and refuse to give me a copy of the debt. I told her i want to speak to a supervisor and she put my on hold and it was her again but saying a new name. She said i was also being investigated for other matters and that i told her she is not aloud to call my employer or call my number anymore and she said she can call anytime she wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-02-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XX/XX/XXXX, I ordered a cell phone from XXXX for {$990.00} + tax with my World Mastercard from Chase. 

I received the cell phone a few days later as promised from XXXX. 

Order number XXXX On XX/XX/XXXX, I saw an ad where XXXX lowered the price of the same cell phone by {$150.00}. 

On XX/XX/XXXX, I opened a claim with Chase Benefits asking for Price Protection for this event ( Page 21 of their Guide to Benefits ). The Chase Benefits representative has accepted the claim, confirmed my card had the stated benefits and told me it would be a few days and Chase Benefits would contact me. 

Contact with me was made as promised and they asked for another 5 days. 
This request for more time has repeated itself again, without any explanation of why they need this length of time to verify a straight forward claim. 

I have copies of the orignial price, new price, credit card statements and Guide to Benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 had an issue with the Capital One Credit Card website and a payment did not go through for XX/XX/2019. I was told on a recorded call that I was ok and that it would not go on my credit report. I was in effect lied to because on other calls I was told it would but then I was told it would be taken off if I filed a formal dispute, which I've done. But my credit report still shows a missing payment for XXXX of 2019. I need it corrected immediately so I can get a new car. 

The company has both lied and misrepresented their own records. This is a huge injustice and I plan on taking it up with the XXXX XXXX XXXX and Attorney General. Very disappointing work here. 

Recorded calls that were previously acknowledged and discussed with managers at Capital One have somehow been expunged or deleted from their records. This is a clear and brazen cover-up and needs to be escalated to the executive level immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wells fargo account freezes.

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 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On or about XXXX XXXX, I applied for a loan at XXXX XXXX XXXX XXXX. I have a very good credit record and a high credit score. 

I was denied credit on the basis of an Equifax report that there was a fraud inquiry regarding my credit report. When I called Equifax to get to the bottom of it, I was asked to send them a photocopy of the Social Security card and my driver 's license. I gave them every piece of information requested, except as to the copies, I refused. If his file was already the subject of fraudulent activity of some sort, why would I trust Equifax to secure images of my Social Security card and driver 's license? In addition, I believe that it is a violation of federal statute to require someone to use their Social Security card as identification. Consequently, the report stands and I am unable to get credit from XXXX XXXX XXXX. 

The copy of the report that XXXX XXXX XXXX got is attached with my SSN redacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to the Equifax Credit Bureau last XXXX XXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: LEXISNEXIS
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: Problem with personal statement of dispute

Complaint:
XXXX cfpb closed report immediately as SOP AND JUST mailed a letter. This standard operating procedure of do nothing is a Hallmark of what is in my opinion a corrupt organization, fraudulent and a lie. The facts confirm this opinion time after time. I wrote to edify those who actually believe this is a organization with integrity and character when by fact they have proven over hundreds of complaints to be a sham. They know this as truth but frankly don't give a XXXX! Above us all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: NY
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 a victim of identity theft. Please see indentity theft report attached. I have consistently disputed fraudulent accounts that are results of identity theft on my credit profiles with all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles.

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 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
XXXX and Transunion are reporting incorrectly collections on the following : XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$4900.00} XXXX XXXX XXXX, Account number XXXX, Amount Due : {$1100.00} XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$720.00} XXXX XXXX XXXX, Account number XXXX, Amount Due : {$330.00} ( Please see pages 3, 4, and 5 of the attached credit report. ) I have also attached a copy of the NOTICE OF DEBT from XXXX XXXX dated XX/XX/2019. This bill is not only incorrect, it was sent to a family Members address, but has my name listed. This is a complete violation of HIPPA. In addition, this attempt to collect these debts are completely bogus. I have now, and have had in the past, medical insurance coverage. There was never a gap in my insurance. This is clearly a billing issue and is not my fault that the medical facilities never billed correctly. I did not incur these outstanding balances, nor do I owe these outstanding balances. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

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