BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-01
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SN SERVICING FALSELY RETURNED THIS COMPLAINT TO CFPB AS " DUPLICATE '', AS ADVISED BY CFPB, RESUBMITTING WITH HEADER, FOR RECORD, NOTING THAT SN SERVICING FALSELY RESPONDED AS " DUPLICATE '' WHEN OPERATING FACTS ARE DIFFERENT. 


There is a trust XXXX XXXX XXXX XXXX in Arizona that filed a foreclosure Judgement sale on our home, claiming they own our mortgage debt. 

We were advised by the prior owner of this debt, XXXX XXXX XXXX, that they sold the debt to another trust in XX/XX/2018. 

In any case, we were never notified of assignment, sale, transfer of this debt. 

Then the prior owner, XXXX XXXX, XXXX in XX/XX/2018, filed a foreclosure judgement sale - despite the fact that XXXX XXXX XXXX XXXX says they owned the debt in XX/XX/2018, but the court action was filed in XX/XX/2018 by XXXX XXXX? 

In addition, we were in the midst of a loan modification applicantIon with the prior owners of the loan, XXXX XXXX, who chose us for their RMBS agreement, and they filed foreclosure in the midst of our application, and changed the terms of the amount within two weeks of the offer. 

Also, the current " owner '' XXXX XXXX XXXX XXXX used false figures in their judgement foreclosure sale, adding on past debt already forgiven in writing by original owner XXXX. 

XXXX XXXX XXXX XXXX is attempting to sell our home based on false figures, and will not proved a qualified written request of figures, and denied our most recent modifcation application, based on their false assertion that we did not supply documents, which they never requested. 

We currently have a FOIA request to find out if XXXX XXXX XXXX XXXX actually owns the debt, and how and when they procured it, as their date of acquisition differs enormously from that of XXXX XXXX ' letter. In addition, we never received written notice of transfer of debt, and, as noted, XXXX XXXX filed foreclosure of Judgement and Sale, a year after they say they sold the debt? and now XXXX XXXX XXXX XXXX, who was not named as the party XXXX sold our debt to, is enforcing the foreclosure sale judgment?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name, XXXX XXXX XXXX : Account # XXXX, Account nameXXXX XXXX XXXX  : Account # XXXX, Account name, XXXX XXXX XXXX Account # XXXX, Account name, XXXXXXXX XXXX  : Account # XXXX, Account name, XXXX XXXX XXXX XXXX Account # XXXX, Account nameXXXX XXXX XXXX XXXX XXXX : Account # XXXX, Account name, XXXX XXXX XXXX XXXX XXXX Account # XXXX All above referenced accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States 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 a 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage contacted me in XX/XX/XXXX to discuss refinancing the loan, I was surprised by the call due to fact I only had the mortgage loan for 6 months. I refinanced the loan wth the 1st being due XX/XX/XXXX @ $ XXXX. I continued to make this payments timely. In XX/XX/XXXX. I received a Escrow statement dated XX/XX/XXXX, that my new payment would be {$1800.00}. I reached out to my mortgage company Escrow line and spoke with several representatives that offered no real help or solution. As a last resort I looked at on the companies website, sent an email requesting help since I am a 1st home owner. I received a call from XXXX XXXX from the corporate office, who became my contact person. I was asking the company to reimburse me for the additional money I paid and still paying towards the Escrow shortage. After speaking with XXXX for 2 months, I was advised on XX/XX/XXXX by XXXX that the company denied any wrong doing and denied to reimburse for any funds, due to the following reason. My loan was originally with XXXX XXXX and was transferred to AmeriHome Mortgage when this was done, AmeriHome sent a check for approx $ 3k, then when I refinanced in XX/XX/XXXX, I received additional funds for approximately {$1000.00}. the company states I should have sent these funds back to them and this would have taken care of the shortage, no where on the check did it state I was to send the check ( s ) back to them, plus the funds received were used to make my monthly mortgage payments due to the fact, when Amerihome Mortgage contacted to refinance, I was unemployed therefore, I did send the funds back, but it was in monthly installments. All I want at this time is for the payment to go back to $ XXXX and be reimbursed for the additional funds I have been paying since XX/XX/XXXX to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan servicer is Mohela. On XX/XX/XXXX, I submitted a Public Service Loan Forgiveness Certification & Application which should have resulted in the forgiveness of my student loans. I was at XXXX qualifying payments for Public Service Loan Forgiveness but had qualifying payments for XX/XX/XXXX to XX/XX/XXXX that had not yet been counted. These payments would bring my total to more than XXXX qualifying payments. I have worked for the same non-profit employer since XX/XX/XXXX. However, Mohela processed my application without counting any payments from XX/XX/XXXX to XX/XX/XXXX and my count was updated to XXXX and XXXX qualifying payments. I contacted Mohela and all they could do was resubmit the same form and tell me to wait another 90 business days for the form to ( hopefully ) process accurately. This error is keeping me from being able to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19
Company: Commonwealth Financial Systems, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2021 COMMONWEALTH FINACE XXXX XXXX XXXX XXXX, PA XXXX ***SENT VIA CERIFIED MAIL*** Certified Mail No. XXXX XXXX XXXX XXXX XXXX Commonwealth XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX COPY SENT TO XXXX  RE : Collection Account # XXXX To Whom It May Concern : This letter is being sent to you in response to an entry made on my XXXX, XXXX, XXXX  Credit Report, XX/XX/2021. I neither affirm, nor deny this purported debt. You claim I owe {$2200.00}. Please tell me how this was calculated. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec809 ( b ) that your claim is disputed, and validation is requested. I am herby requesting a copy of the last bill that says I owe somebody and a signed cop of the agreement. In addition, I need to know how much you paid for this debt, what was the original delinquency date according to the amount you say I owe.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the
above-named Title and Section of the Fair Debt Collection Practices Act.

You should also be aware that reporting inaccurate and unsubstantiated information to a credit reporting agency might constitute fraud under federal law. Your legal staff will agree that compliance with this request is required under the laws of State and Federal Statutes.

In addition to the debt validation form, please attach copies of : 1. Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
2. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State and Federal Authorities. I also hereby reserve my right to take private civil action against you to recover damages. 

In addition, The Fair Credit Reporting Act states that while this item is being investigated by you ( under dispute ) you must remove/cease from reporting this information to the Credit Reporting agency until full validation has been completed. I have taken the liberty in also copying this request to the Credit Reporting Agencies. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Cc : CRAs ( XXXX, XXXX, and XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: The Moore Law Group
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Moore Law Group is has attempted to mislead, deceive and scare me with threatening collection letters. They have been previously sued for this abusive practice in XXXX vs The Moore law group XXXX : XXXX XXXX. I plan to do the same if I am sent anymore harassing letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
ATTENTION CFPB THIS A NEW ACCOUNT AND A NEW COMPLAINT DO NOT CATEGORIZE THIS AS A SAME COMPLAINT TYPE SEND THIS TO JPMORGAN CHASE BANK I have reported fraud to Jpmorgan chase bank since XX/XX/XXXX I just got a copy of my XXXX credit report WITH A NEW REPORTED JPMCB ACCOUNT where there is a documented account as follows JPMCB ACCOUNT # XXXX I have over 1 million dollars PLUS INTEREST DUE ..that as I have reported in XX/XX/XXXXand to the present day via fax certified mail EMAILS PHONE CALLS and in person etc to Jpmorgan chase bank/ XXXX XXXX /XXXX XXXX And I finally found a account that is probably linked to my identity thieves AND MY LIFE SAVINGS AND OTHER MONIES since XX/XX/XXXX. I request all documents Related to this account asap from JPMORGAN CHASE BANK sent to me via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX fax plus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13
Company: Ideal Collection Services, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX -tried to dispute inaccurate item Ideal collection service -tried to dispute XXXX XXXXl -tried to dispute credit protection-tried to dispute XXXX XXXX XXXX-tried to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: JPMORGAN CHASE & CO.
State: TN
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:
After carefully reviewing the credit card statement, there were unfair credit billing with your credit card practices. I would pay the monthly statement online on the due date but your system says that I did not pay until the next business day. I was charge late fees because of this. Please send me proof of charges. What was the prime rate for finance charges?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX XXXX have received a notice from Credit Protection Association, LP ( CPA ) alleging that I owe them a debt of {$550.00}. I have no knowledge of this company nor accept or acknowledge having or owing them any debt or money. I would ask that they validate this debt with original documents proving my ownership. I have mailed an official response letter to them within the 30 day response window provided by FDCPA law. I have attached a copy of their notice to me and my response to 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 2021-04-30
Company: Harvard Collections, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly expressed to the creditor that I am a a fraud victim by a family member. Only to now find that the charge is in collections and on my credit report by Portfolio Recovery a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC Systems-XXXX - Is reporting on my credit for a debt we do not owe. We are on a hardship/financial assistance program with the hospital and ALL my medical debts are included in that. You guys keep putting new collections on my credit report and the hospital has already told me they pulled them back. 
So I don't know why they keep doing this but I am tired of continuously fighting this with them. You are in clear violation, especially because we contact you every single time you post it on credit .... because, mind you, you never send a notice for me to dispute it, which is also a violation. 
But I contact them and fight with them every time and the hospital retracts the bills. I have this all worked out with the hospital and this needs to be deleted and they need to stop putting these on my credit! 
I am contacting my friend XXXX who is the Assistant Attorney General and I am filing complaints with them also.

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 2019-11-01
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When I originally opened my XXXX credit card with XXXX XXXX, it carried no annual fee. When XXXX switched to Barclay 's MasterCard, it switched over to a card with a {$40.00} annual fee. Last year, I called because I did not want to pay an annual fee. I asked to downgrade my card to the Barclay 's XXXX card that had no annual fee. 

The representative told me that instead of downgrading my card, they could instead waive the annual fee, as my card offered me more perks than the no-annual fee card. I was also told that if the following year, I was not happy with the additional perks, that I could then downgrade my card. 

Now, I just saw that it was time for them to charge me an annual fee. I called up and asked to have my card downgraded to the no-annual fee card, as I was told I could do, if I wasn't satisfied with the additional perks offered for my level of credit card. However, unlike the assurances I was provided last year, now I am being told that there were no " offers '' available to downgrade my card. If I wanted the no-annual fee card, I would need to close my current account and apply for this new card. So now, my options are either to pay their {$40.00} annual fee or close my account/open a new account, which would have a negative impact on my credit score. 

I was lied to and believe this is a classic bait-and-switch tactic by the credit card company.

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 2023-02-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
VIOLATION AGAINST 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Inaccurate and false information is being reported while the bureau is continually " verified '' the information. If is has been verified as correct then why is is different via 2 different bureaus. SEE ATTACHMENTS Clearly nothing has been verified, I DEMAND THAT THE BURAU REPECT CONSUMER RIGHTS AND DELETE THE FALSE ACCOUNT NOW. 

DELETE ACCOUNT 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 explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2019-04-14
Company: JPMORGAN CHASE & CO.
State: CA
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:
I had noticed that someone had been using my information and had been making unauthorized hard inquiries by fraud and here is the list 1. XXXX XXXX  XXXX and XXXX 2. Chase Card XXXX and XXXX 3.XXXX XXXX XXXX XXXX 4.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe the collection that is appearing on my consumer report. This company has also violated US code 1681 ( b ) subsection ( a ) ( 2 ) by contacting me and reporting onto my consumer report.

Company response to consumer: Closed with explanation