BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello my name is XXXX XXXX and XXXX XXXX. I'm contacting you due to how our modification was handled with Amerihome Mortgage. We did the Covid 19 option to place the payments on hold. After Covid relief was over my husband applied for a modification. It took Amerihome Mortgage almost a year to let us know he did not qualify due to his income was too low. Amerihome told us to call them 1x a month and we did. We called and was told as late as XX/XX/XXXX that everything was fine and it looked like the modification was good. We called the beginning of XXXX to and found out the modification was denied and the house was sent to an attorney. They never asked for more income because I could have easily been added to the application as a contributor. Since affordability was why he was declined it shouldn't have taken such a long time to let us know this. Affordability something that should have been identified at the beginning of the process. Now the loan is XXXX behind and more than a year, which made us ineligible for the XXXX grant that Georgia provides. It also made us ineligible for a few programs FHA provides since it's more than 12 months. The house is being set up for foreclosure now. I have reapplied with our combined income ( I'm not on the loan ) but I am worried about Amerihomes competency in offering modifications. I can not trust what they say. We have also emailed the Attorney, XXXX XXXX, and called and haven't received a call back or response to our email. No one should be treated this way. The COVID 19 mortgage assistance has backfired and Amerihome mortgage shouldn't be allowed to do this to people. Our modification was mishandled. We asked several times for a Supervisor to call and never received a call back from anyone in management. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My student loans should be forgiven since I've been on social security XXXX for 16 years and am 1000 % qualified to have my loans dismissed by the get in their entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2019 I was in a bicycle crash and required and ambulance ride. The Ambulance was provided by XXXX XXXX and XXXX XXXX. My insurance was rather slow to pay so, XXXX XXXX and XXXX XXXX turned me over to Aargon Collection Agency. My insurance then settled with XXXX XXXX, but Aargon still wanted the remaining balance. I don't think I really owed this, but did not know how to fight it, so I paid then a settlement to go away. They have not gone away and continue to send collection letters. 

Settlement of {$850.00} was paid in full XX/XX/2019. Aargon reference number, XXXX Nevermind that Aargon probably had no right to any money, but they persist in harassment.

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 2023-02-13
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am in XXXX XXXXXXXX XXXX for the past 2 years. 

Due to limited internet access, I have not been able to manage my account properly. 

I would like my interest to be refunded through my conversation with customer service conversation representative with American Express. I have paid all my outstanding balance. 

I would also like my account be restored, since I have been with American Express for the past 5 years ( since 2018 ). 

I would also like to have my negative impact on my credit report to be removed. 

Please find my current contact below : phone : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX contact through Email

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2022-02-23
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today ( XX/XX/22 ) we received a letter in U.S. mail advising us that our mortgage has been transferred from Freedom Mortgage Corporation to XXXX dba XXXX XXXX, effective XX/XX/22. Upon looking up XXXX. XXXX to see about setting up an online account, I found this press release from the Consumer Financial Protection Bureau ( https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-multiple-states-enter-settlement-XXXX-unlawful-servicing-practices/ ) and read the accompanying legal documents describing the consumer financial laws violated by XXXX, causing substantial harm to the borrowers whose mortgage loans it serviced and the {$85.00} million dollar settlement that XXXX was required to pay out. 

Horrified that we were being required to do business with a company that had shown itself to be untrustworthy in their mortgage servicing practices, I immediately called Freedom Mortgage to find out what my options are - can we stay with Freedom Mortgage or be transferred to a mortgage company we could trust? One XXXX could not tell me from where the decision to sell our mortgage had emanated- he had some vague idea that it was a bank. Why should a mortgage company or some shadowy, unnamed bank have the power to make these decisions irrespective of the consumer 's wishes? After speaking to 9 different people and being told over and over that there was a ) nothing they could do since the transfer was already complete ; b ) this is just the way mortgages are handled ; or c ) to stay with Freedom Mortgage we could refinance for a worse deal than the one they gave us 6 months ago, we decided that our only option was to lodge a complaint with your bureau.

HERE ARE OUR MAIN ISSUES : 1 ) We were not informed of this transfer before it was a completed transaction.

2 ) We are not being given any choice in the matter of who we do business with in this repayment of our largest debt.

3 ) We should not be forced to do business with a company whose business practices we can not trust.

4 ) If this is the way that the mortgage industry does business, then it should be forced to change. 

How should we handle this going forward? Since we don't want to deal with XXXX, we offered to continue making our payments to Freedom Mortgage, but we were told that they could not accept payments after XX/XX/XXXX. What do you advise? 

Thanks in advance for any help you can give us in resolving this issue.

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 2018-08-10
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The original complaint was not properly reviewed ; as a result I am resubmitting a new complaint to have the issues of the original complaint addressed properly. 

My issue was with the unprofessional actions of Cater-Young 's employee XXXX XXXX. Additionally, the address Carter-Young has in your system is incorrect, so I did not receive the notification. Because I was not notified by XXXX XXXX XXXX XXXX of the transfer of the medical debt to Carter-Young collections, I was unable to provide either parties with a updated mailing address. 

If Carter-Young 's employee XXXX XXXX would have continue the conversion and not hung up the phone before the conversation ended, Carter-Young would have been informed that my mailing address changed. Because Carter-Young did not have the correct address information and did not allow me to provide updated address due to XXXX XXXX 's rude and unprofessional behavior, I still do not have the required information to make any payments. 

As mention to Carter-Young employees, I am more the willing to pay off the debt as I was doing directly with XXXX XXXX XXXX XXXX ; filing a collections account on my my personal credit report is unnecessary. Especially since, I was not properly notified of the collections account, and am willing to settle the debt as I was doing with XXXX XXXX XXXX XXXX. Please have the collection account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

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 2023-02-11
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recieved a debt collection letter in the mail, around the first of XXXX, for a fraudulent Uitlity bill from XXXX XXXX out of XXXX. This bill was dated for XXXX of XXXX. This was the second time in six months that this company XXXX XXXX sent a collection company after me for a fraudulent account opened in my name. The first time was in XXXX of XXXX for and account opened in XXXX of XXXX. I went to the police both times and filed a report. I also filed on theft.gov. The first collection agency removed the collection from my credit report immediately on receiving my paperwork. Online Information Services was mailed two certified letters with police report and theft.gov letters. They wanted me to send a copy of my social security card and drivers license, but I refused. Instead, I sent a letter from my school where I have taught for the last 4 years to prove that I did not live in XXXX but 200 miles away. I also sent a copy of my trash pickup service dated for XXXX of XXXX. They said that my packet was incomplete .... XXXX XXXX contacted me XX/XX/XXXX and said that they determined that the account was fraudulent. However, Online Services placed the collection on my credit report anyway. Then, I filed a dispute with XXXX! Online Information Services has now said that the collection was paid on my credit report and my score has dropped over 50 points. Because, it still appears that there was a collection against me ... ... .The first collection agency had no problem removing this fraudulent charge from XXXX off my report. However, Online Information Services has a bad reputation of doing this very thing quite often! Just read their online reviews. I am XXXX, a widow, hardworking XXXX XXXX XXXX XXXX I think that these two companies, Online Information Services and XXXX XXXX should both be reported for bad business practices. What utility company would allow a person to not pay their XX/XX/XXXX bill or XX/XX/XXXX bill but still open another account in XXXX in the same persons name and let both bills go unpaid! Then send me a collection notice in XXXX and XXXX to my REAL address. Online Information Services also sent me a copy of the XXXX XXXX bill with not one phone number on the bill to contact the company... .Something shady is at work here!!!! Both bills were for the exact same amount {$1000.00} ... .that is questionable also ......

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
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:
I am so puzzled about this situation. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint for the 2nd time. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again. EXPERIAN was not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: Synovus Bank
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX credit card companies have refused to take a payment telling me they would call me back in XXXX to XXXX business days. I asked them why they could not take a payment she said, '' she was not authorized to take any money ''. I believe they are letting it go further so they can sell the debt to an Attorney or write it off. I never in my life have had any one tell me I could not pay a debt! One credit card company is total XXXX the other one is XXXX XXXX XXXX. They post payments late are they do not accurately keep tabs on your payments so you are going to accrue late fees and over limit fees I don't know how this can be legal and why they are not policed better. Please check into this and stick up for the hard-working blue-collar people who try to make their payments on time and get screwed over by credit companies that aren't regulated well. Thank you very much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are several mortgage inquiries on my credit report with XXXX, XXXX, and Experian that I did NOT authorized. I never applied for a mortgage. 

I pulled a copy of my credit report and contacted the companies that made the inquiry and they had no record of me. And I was advised to file a FTC report. 

Please investigate the following inquires for removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial Thanks, 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southwest Recovery have " FALSELY '' placed 6 plus Collection Accounts on my PERSONAL Credit Report. Southwest Recovery represents a Credit Card Processing Company for Businesses - ( 1 ) I NEVER accepted NOR did I sign any documents accepting any personal responsibility for the Company they have paperwork for [ they have provided me a copy of the paperwork ]. ( 2 ) I NEVER accepted NOR did I sign any document for service other than a " Seasonal Service '' for that 1 Month! [ they have provided me a copy of the paperwork ]. They are claiming I signed a 3-year credit card processing service with them. NO, I Never Did! ( 3 ) ALL Credit Card Machine Terminals were returned! They are stating that they did not receive some of the terminals and charging us for these terminals! That is outrageous. We have no use for these terminals. We didn't process credit cards with them, so why would we keep the terminals ; makes no sense. 
THIS COMPANY NEEDS TO REMOVE THESE OUTRAGEOUS LIES AGAINST MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am an XXXX XXXX member currently in XXXX  that was notified of an account opened under her name for XXXX  XXXX XXXX. I caught it pretty early seeing it was opened XX/XX/2022 and disputed it and claimed fraud alerts to the credit bureaus. I reached out to this bank itself and told them I had no idea about this bank, the credit card, let alone the amount which {$610.00} has been used on it. It was used to purchased items from a different location back in the XXXX XXXX I suppose, but again I live here in XXXX  at the moment. I sent pics of my Id, reported fraud to this bank, send in receipts, and any more paperwork they have asked for. After denying my claim numerous times I continue to call the identity theft number for their bank XXXX and the last thing I heard from them and also spoke with from this bank is im not sure what else you can do, it looks like its just going to get denied which is not fair. I have always had a good credit score. Up until this account opening my XXXX XXXX XXXX has gone down to XXXX and Ive been fighting this battle for over a year now. I Pay all my bills on time. I have never had any bad credit history up until now. The only reason I get told why it cant be taken off my report is cause it has my information and address from my home of residency, which I can repeat IS NOT ME as I am stationed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was former member of a XXXX XXXX branch. The gym closed during covid and I never received notice. The owner of the gym created XXXX XXXX gym at a different location. I never received a written notice of the location change. 

My account was month to month. I never signed a contract. I requested the gym and XXXX XXXX XXXX to provide evidence of rhe {$180.00} debt but they both have failed to provide me anything. I also requsted copies of correspondence notifying me of XXXX closure and new gym location. Again, XXXX XXXX and XXXX XXXX XXXX can not provide me any documentation. 

Today, I spoke to a representative at XXXX XXXX XXXX. I requested a billing summary and a copy of correspondence showing where I was notified. The gym rep said she would email a statement but never did. She does not have records of any notifications. 

XXXX XXXX XXXX request that I prove this is not my debt. They are the debt collector. They are required to provide me documentation. Instead they placed the collection on all XXXX 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 non-monetary relief
Consumer complaint received 2020-01-15
Company: LEXISNEXIS
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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX   XXXX XXXX {$730.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX   XXXX {$53.00} XXXX XX/XX/XXXXXXXX XXXX* {$9000.00} XXXX XX/XX/XXXX *XXXX XXXX XXXX   {$5100.00} XXXX XX/XX/XXXX XXXX XXXX {$650.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation