BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: ENCORE CAPITAL GROUP 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a condo on Friday, XX/XX/XXXX in XXXX XXXX, TX with my lender as Supreme Lending of XXXX XXXX. On Monday, after closing they claimed they didn't realize the flood insurance they approved did not meet their standards and now they were seeking to fine me for not meeting their flood insurance requirements. My condo board covers 80 % of my flood insurance and they say that XXXX requires 100 % coverage since I am in a flood zone. They had signed off on me taking out an additional flood insurance coverage with XXXX XXXX to cover the other 20 % prior to the closing. Then on Monday they claimed they were told by FEMA they couldn't have 2 flood policies on the same unit. The policy they are claiming by XXXX has been in place for years since Hurricane Harvey. They claim to be sticklers for this policy, so they are well aware of it. I believe they closed on my mortgage knowing they would come back to fine me afterwards under false pretenses. They withheld information from me with the plan to extort more money from me. They also withheld information form me by refusing to contact me directly and only working through the realtor who is a long term business partner of theirs, who did not relay the information to me. They also admitted in XXXX they had the wrong insurance documents and had based their analysis off of the gatehouse in my community and blamed the COA for giving them the wrong document, even though it clearly says Gatehouse on the document. While I was under the impression they were reviewing the mistake with the COA and the COA insurer, they moved forward with sending me a 45 day notice to fix the insurance coverage or be fined by them. This is unethical. Unprofessional and deceitful. 10 other units have sold this year and no other lender has made this claim according to the COA. They are the first lender in the history of this condo regime since the XXXX to make this claim. They are praying on a first time home buyer and who will protect me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a payment thru XXXX XXXX  on my power bill. The money is gone out of my account but I was told the payment failed. When I call chime bank they say the money was paid. Now my bill is not paid and Chime or XXXX XXXX will do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PORTFOLIO RECOVERY - XXXX XXXX  Account Ending in XXXX was paid in full through negotiations with a Federal Debt Relief Program, the amount of {$3000.00} is being erroneously reported on my credit report which is keeping me from purchasing a home. The amount should be zero. I am attaching a letter in good standing with the Federal Debt Relief Program. This account is paid in full. Balance was subject to a 1099.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, INC.
State: MS
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 have reach out to the credit bureaus about fraudulent items and inquiries on my credit report and provided documents along with my social security card and drivers license and they still havent removed these items

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive been trying to retain foreclosure assistance for quite some time, first with my lender ( s ) then with HUD, and so on ... no one has ever helped or offered help. 
I have an FHA Loan in a rural area of California, I am 3 years XXXX and still unemployed as a result and due to COVID I am going on 2.5 years trying to obtain XXXX  Benefits .... 

Prior to COVID my lender denied modifications for every ridiculous reason or just ignored my request completely I file Bk in XXXX to halt the sale and now with COVID the care act has helped a bit as well, however Im again in the same position of filling out the mitigation packet, calling & emailing the bank, never getting a response They ARE NOT HELPING ME! 
HUD, always tells me to call someone else when I speak to them. 
I always go round & round until I give up so frustrated & XXXX & confused. 
Ive also asked about who Id contact to try to be eligible for all the different NOFA grants & programs and Im always told they dont have any programs for people like me ... .what does that even mean? 

Im very confused, I virtually have no immediate income, I cant afford a lawyer, Ive been scammed twice, and Im positive the lender has violated my homeowners bill of rights, lied, overstated/overcharged my account, and made changes to my loan without authorization. 

In fact, XXXX XXXX sold my loan to M & T Bank while I was in a loss mitigation, M & T never filed correct county documents stating they were my lender, my owed about is $ XXXX more than my original loan and Ive never borrowed money, they tried to charge me more than XXXX XXXX for my monthly mortgage, when I use the search tool online at HUD to search my lender it says XXXX XXXX however M & T Bank are trying to foreclose on me ... .Ive had the money to pay up the home out of black but their is so much hinky stuff taking place that I dont want to plus the county came and inspected my home and property dropping the value $ XXXX last year and this year as soon as they receive a soil report from finding sink holes in my hard plan to drop my value another {$50000.00} down to a value of {$150000.00} and the bank wants {$270000.00} for the loan I got in 2017 for only {$240000.00} .... 

Please someone help me! 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collection account on my credit report this was fraud I sent in a fraud package which includes a police report on this XXXX XXXX account they are the original creditor the collection agency name transworld system is reporting this fraudulent accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When attempting to submit a dispute by clicking on Experian 's Icon start a dispute online, I was directed to a page " Page not found '' https : //www.experian.com/XXXX https : //www.experian.comXXXX XXXX  Therefore Experian is blocking my ability to file a dispute with them.

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 2020-09-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXXXXXXXXXXXX XXXX XXXX was paid prior to my filing for bankruptcy, was at a XXXX balance before collections, and should not have gone to collections in the frist place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was reviewing my credit report and noticed that the company closed my account on XX/XX/19. I did not request account closure and my account was in good standing throughout the lifetime of the account.

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 2020-09-01
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection agency was collecting a debt on behalf of a hospital physician that could not bill me because the hospital failed to record my information properly two years ago. After I found out about the collection from a credit monitoring service, I reached out to Phoenix Financial Services. I notified them of the error, but the representative pressured me to pay the debt so it doesn't hurt my record. I settled the debt with the representative from an original amount of {$490.00} to {$140.00}. A week later, I was called by a supervisor from this collection agency to collect more money, because he claimed that the representative who I spoke to did not have the authorization to settle the amount to {$140.00}. 

They have broken the following laws : 1.The Fair Debt Collection Practices Act ( FDCPA ) which covers medical debts mandates that a debt collector is required by law to inform the person theyre collecting from that they can dispute the debt. This did not happen even though I told the representative that this is a billing mistake. Instead, he pressured me to settle so that it doesnt hurt my credit, as he put it.

2.The Fair Debt Collection Practices Act ( FDCPA ) states that a collector may not harass anyone over the phone or through any other form of contact. This did not happen when their supervisor called me to collect more money from me even after I settled a debt that I should have disputed first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Security Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2016, I had XXXX XXXX and the apartment complex still charged me for the termination fees. I never got notice of this debt through the mail from the original company or the collection agency. I did not know this was a debt until I saw it on my credit report. I do not owe this money because I should have been protected under the servicemembers ' relief act AND the collecting agency never attempted to contact me to verify the amount accuracy ( amount is wrong ) and never tried to collect. They just closed the account. I contacted the three bureaus and they sent me a letter stating the account was " valid '' but could not verify the amount ( again, which is wrong ). I don't even have a statement or a bill from this company. 
I need this removed because this is negatively affecting my job and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, on XX/XX/2018, I received a letter from Carrington mortgage services llc, ( Letter attached ) on the letter says that they will automatically will increase the mortgage payment based on " MY DOCUMENTS AND LAW '', and I want Carrington answer the following questions : 1.-What documents and law they talking about on their letter?

2.- Why they want to automatically increase the mortgage payment without notice?

And the most important.

3.- Does Carrington mortgage services llc already read the CONTRACT I signed the loan at XXXX XXXX and XXXX County ? 
4.- What part of the contract they don't understand?

5.- Does Carrington want to apply their own rules on this mortgage?

6.- Why they want to withdraw money from my account without notice?

I want Carrington to answer these question to me, and to the CONSUMER FINANCIAL PROTECTION BUREAU THERE IS A CONTRACT, and they need to read it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX XXXX Date opened : XX/XX/XXXX Account : XXXX Status : XX/XX/XXXX paid. 
Im hurting to have these hard inquiries on my credit report Im not able purchase property because of this Ive been trying to hard to do right with my credit to be traumatized to see this I would like this hard inquiry removed I see no use of it on 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 non-monetary relief
Consumer complaint received 2021-02-25
Company: ARS National Services, 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: Problem with personal statement of dispute

Complaint:
From XX/XX/2020 thru the present XXXX XXXX XXXX XXXX has intentionally as a practice reported my credit card account multiple different ways for example one month reporting it as a charge-off then the next month report the account as a collection. 

During the same period, XXXX XXXX XXXX XXXX has intentionally turned my credit card account over to a Collection Agency ARS who would has demanded payment. 

To date XXXX XXXX XXXX XXXX continues to damage my credit and name during and including a time of the Pandemic with my written requests for a reprieve. 

I have also, have discovered that as a practice and policy XXXX XXXX XXXX . removes Civil Small Claims lawsuits nationwide to Federal Court while knowing the consumer has a right within their contract to Arbitration. 

The consequences of this actions are immeasurable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a large deposit through the ATM at the regions bank on XXXX  XXXX XXXX in XXXX ms . It was not credited to my account so I made a claim with the bank, it got denied, I made another complaint with the bank it has been denied. I have included a receipt where I borrowed the money from my grandfather, a receipt I printed out after making the deposit when I did not receive a deposit from the ATM and a copy of the second claim 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 monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update.

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 2022-01-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bank Online Payments Due Are Different From Account Statements Payments Due The XX/XX/XXXX payment due was reported as {$2500.00} Online, and as {$1500.00} on the account statements. 

The XX/XX/XXXX payment due was reported as {$2500.00} Online, and as {$1500.00} on the account statements. 

The XX/XX/XXXX payment due was reported as {$2500.00} Online, and as {$1500.00} on the account statements. 

Attached please find a spreadsheet comparison of the online and statement particulars as well as the specific bank information. Excessively padded real estate tax escrow reported online accounts for most of the differences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
All of my information has been taking by hackers accounting to authorities. Since then I have been getting all sort of accounts on my credit report that do not belong to me. I am a victim of identity theft and trying to get this resolved from all 3 credit reporting agencies

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 2023-03-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My insurance company ( USAA ) who is insured by XXXXXXXX XXXX questionably raised my premium by 600 % during covid-19, forcing my mortgage company XXXX XXXX XXXX XXXX, who is insured by XXXX XXXX , to nearly triple. USAA applied false claims to my insurance hence given reason for a premium increase. 

I found out about the false claims being added to my insurance record through another insurance company. I immediately call USAA to get this resolved. They took off several of the false claims but stopped cooperating with me afterward. 

All cost would later be passed on to me through the XXXX, mounting upto an additional $ XXXX in total. Now I owe more for my home than the original load price. 

I'm a XXXX XXXX XXXXXXXX veteran facing losing my home because USAA adding false claims to my insurance during COVID 19. I'm going to lose my home, if something isn't done quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: AES/PHEAA
State: IL
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:
My IDR was denied and no reason was given other than they would send me a letter. Naturally, I tried calling as soon as I got the email but they were already closed for the holiday ... my loan replayment plan ends XXXX. Last year with my repayment recertification, they made me go into forbearance for more than a month while they reviewed my application. This year, I made sure to recertify in a timely manner. My job and income have not changed yet for some reason my IDR was denied. I strongly dislike XXXX XXXX. I feel they intentionally place obstacles in the way to cause your loans to back up and need to go into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aldous and associates has ignored my attempts to have them correct their mistake on charging me for someone elses account. The name on record is not mine and more. They have refused to send me documents of opening, id 's used, proof that they own the account and and have refused to even dispute the account. I was never sent any 30 day letter to respond to before this hit my credit report this is not my account and if not removed I will forced to file for triple damages plus punitive of {$10000.00} for harassment, hanging up on me, being rude and causing me grate stress while defaming my character. The balance though minuscule does not belong to me for {$140.00}. please respond via mail only no more harassment this is causing me undue stress on a matter I know nothing about. I am elderly and do not go to gyms due to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation