BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: Fay Servicing, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage a few years ago and then the pandemic hit. My mortgage company never offered me any sort of forbearance. I contacted a HUD counselor and she helped me with a loan modification. It took a long time going back-and-forth because every time we would send in what the mortgage company said we needed they would always say we were missing something. This went on for about three months. They finally excepted my modification on XX/XX/XXXX of 2021 and on XXXX XX/XX/2021 they told me my modification had been denied. Im not sure why because in my letter I had told them that I had one full years worth of payments I could pay towards my account. So if they were to take that and then they put me in the forbearance program and put missed payments to the back of my loan I wouldve been OK. When I spoke to them they told me pretty much that I had enough equity in my house that if they were to foreclose on it they would make money. I will admit I have had a lot of financial problems But I really am trying now. I have plenty of money to make my mortgage payment every month and Fay servicing does nothing except for XXXX you around. They are definitely not there to help They just want to foreclose on your home. Ive been in my home for 30 years and I definitely do not want to lose it.You call and half the time you cant get anybody on the phone. 
They told me that they was going to go ahead with the foreclosure unless I came up with {$32000.00}. I told him that there was a moratorium in place until the end of XXXX They told me that my investor does not participate and any programs like that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX  was only 30 Days Past Due when I entered into a Settlement to bring my account from {$3300.00} to a {$0.00} status by executing a settlement. Up to this moment of receiving authorization to proceed with a settlement, I had been in a consumer-initiated balance paydown payment program, with {$59.00} a month that was being paid as agreed and was CURRENT. I was never in collections, and I was never a charge off, because I had been very properly handling my account and actively involved with making sure each month it was being paid on time. As part of my Settlement Offer, I paid my final settlement payment ( # 3 of 3 ) on XX/XX/XXXX for {$760.00}. They then forced my account into a late status on the credit reports due to them taking from XX/XX/XXXX to XX/XX/XXXX to show a payment and a {$0.00} amount. This is not acceptable. 

I have 3 recorded phone calls through XXXX to substantiate my claim as well. 
My Account has never been with any formal collection company AND my account has never been a charge off. I was current throughout this entire process. 

On each separate time that I called XXXX during this settlement and payoff process, I was using the XXXX ADVERTISED PHONE NUMBER readily available on the Internet as XXXX CUSTOMER SERVICE, I spoke directly to a rep that identified herself as a Rep with XXXX XXXX. I have never, and I mean, never, ever, ever been informed that this account is a collection account, and certainly my account has never ever ever been a charge off. As you can see by my documentation from XXXX, this account was not a charge off. 

The Problem is that XXXX has reported to TRANSUNION that I settled / paid in settlement AFTER a charge off/collections. That is 100 % a lie. That is 100 % fraud. 

I also have a CURRENT ( dated today ) screenshot of my XXXX Account, and of my XXXX  credit bureau, because it appears, that XXXX TODAY went to Transunion and ERASED all my prior months of PERFECT payment history of {$59.00} and changed the past 3 months to show a CO for Charge Off which is a Complete Lie. 

My Settlement Payments have been drafted and paid to XXXX XXXX, and presented as XXXX XXXX. 

Please, Attorney General, and CFPB go after these people. I paid them my hard earned money, while I am still unemployed, and this is and never was a charge off, and my account never went to collections.

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 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
On XX/XX/XXXX I was charged XXXX & XXXX from a merchant in XXXX TN, XXXX  by XXXX. Upon my check out Sunday morning I reviewed my CC charges with the general Manager XXXX. She was able to confirm that the charges on my Capital One card will be removed because I used my CC ending in XXXX XXXX XXXX. I was charged XXXX for my total from Friday XXXX. I disputed the charges with Capital One, provided proof of the charges on several occasions. I provided, the GM 's business card, signed documents provided by Capital One and the receipt showing the card I used. Both charges are still on my account despite my many attempts at calling & trying to resolve with them. I am frustrated because I am being charged interest on charges I DID NOT MAKE. I really need someone else to step in and help resolve this matter. I can submit any proof needed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has continuously called me every other day for some other name that is not me. I notified him today after the XXXX call to please cease from calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: NJ
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:
My Bankruptcy file date was XX/XX/2008, its been more than 10 years since I filed and it is still showing up on my credit report. It should be removed from all of my credit reports after 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Cash Time Title Loans, Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This contact is a reference and has been calling repeatedly once on XX/XX/XXXX and second on XX/XX/XXXX. I have also been contacted to myself has been harassing. I have had back to back calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion is reporting unauthorized unverified inquiries on my consumer report their reporting has been harmful and violated my right as a consumer under title 15 usc 1692 I have notified them of them of the 3 unauthorized inquiries on my report and they have yet to be deleted the inquiries are dated as XX/XX/XXXX XXXX and 2 more inquiries dated XXXX XXXX I also have filed a report with the ftc

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 2020-09-02
Company: Amsher Collection Services, 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: Account status incorrect

Complaint:
Just saw an incorrect open account from XX/XX/2020 from XXXX XXXX XXXX XXXX list with a collection agency called Amsher collection that I have no knowledge of. And, did not open any account with a communication company on XX/XX/2020. 

In addition, never received a disclosure in accordance with Federal Truth in billing or credit reporting act as a matter of law. 

Please have it remove now in good faith and follow FTC guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: NCB Management Services Inc.
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive spoken to An agent with NCB Management 3 or more times. Ive made arrangements to pay the debt once a month until the balance is paid in full. I made a payment at the beginning of XXXX. The agent called me at the end of XXXX to tell me that my account is on non-payment status. How can my account be in non-payment status when I just made a payment? I told her I get paid once a month, and will pay the balance down monthly until the balance is paid in full. There really is no need for her to keep contacting me. All of our conversations are redundant ; there is nothing we can talk about on the next call that we havent talked about on the last few calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX, Bank of America froze my account of over {$10000.00} and sent most of it to my client who accused me of forging her checks. However, in XX/XX/XXXX I obtained a document from the District Attorney, proving that I am not guilty. The institution stated that I would be unable to re-open an account anywhere for 10 years. Therefore, my business has failed and gaining employment has been difficulty without the means of accommodating their direct deposit method.

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 2019-05-30
Company: Maximum Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company increased my contract interest rate after they had reduced the rate. The loan was offered as interest only when I requested principal and interest payments. The loan has been repaid 3 times over in interest payments. Now the company is harassing me and harassing family and friends after I have repeatedly asked them according to the fair debt collection act to not contact family and friends and harass them. I have asked them to stop harassing me and that this loan was paid back in interest 3 times over. This is usury and excessive interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Nelnet, Inc.
State: VA
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 student loan was discharged in bankruptcy nelnet is reporting to the credit bureaus that it was discharged in bankruptcy yet they send me bills and call me so I keep paying it but they are not reporting the payments to the credit bureaus. They update the trade line every month as bankrupt but do not report the payments. I have written and called nelnet and I get no response. Im worried about a negative report or that they will take some other action so I keep paying {$120.00} a month. This is extortion in my opinion and a violation of bankruptcy laws.

I filed a cfpb complaint previously about this I disbursed their response nothing was fixed and here we are 2 years later and they are still reporting wrong and extorting payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2014, XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}.

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 2021-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Just received an alert from XXXX that might credit score dropped significantly due to Capital One inaccurately reporting that my credit card is maxed out when it currently has a positive balance of {$450.00}. This needs to be updated immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Upstart Holdings, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I made my XX/XX/2021 payment in XXXX of 2021. The company says that because I did not make my payment " closer '' to the due date, that the funds meant for my XX/XX/2021 payment was posted to principal and they are refusing to post the funds to satisfy my XX/XX/2021 payment. After complaining to the CFPB prior, and after trying to get satisfaction from Upstart Servicing, they told me today that " my request has been addressed and they consider the matter closed ''. Excuse me? No, it is not closed, not until they post my XX/XX/2021 payment correctly. In fact, my goal was to make as many payments this summer as possible and pay this loan off when I get my bonus at the end of the year. But, Upstart has decided to ignore their consumer. I have no intention of making a XXXX XX/XX/2021 payment. Also, Upstart needs to ensure that there will be NO LATE CHARGES assessed or negative reporting the credit bureaus. I am demanding that my payment be posted to my loan exactly how it should be posted, to satisfy my XX/XX/2021 payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: JPMORGAN CHASE & CO.
State: OH
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:
A rental car transaction of {$450.00} appeared on my Chase Sapphire Credit Card. This amount is higher than {$310.00} that I was supposed to pay. After speaking with several Chase customer service representative, they insisted that transaction is valid, and refused to open a dispute due to the fact that I've already received the service. The reason why I contacted Chase is because it's impossible to reach XXXX XXXX location to resolve the issue, since no one answers the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: UMPQUA HOLDINGS CORPORATION
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been dealing with first Pacific funding. XXXX was the guy I was dealing with. I thought he was a lender later to found out from Umpqua Bank that he's a Salesman never told me that. I m financing a XXXX XXXX XXXX XXXX XXXX for my XXXX. Purchase price was {$49000.00} that was with Idaho State Tax. He said he could get me 9 % interest rate on a loan with no prepayment penalties. I told him I thought that was high for having a XXXX credit score and paying off some previous equipment. He said I didn't have a long enough history, more lies. I was kind of in a pinch and was going to lose this XXXX XXXX if I didn't get something done. 
So I proceeded and he sent the paperwork over. I thought I was getting 36 month term at {$1200.00} a month. I went to make the first payment XX/XX/XXXX. It said 60 months. I realize the balance was {$71000.00}. My heart dropped. I immediately tried to get ahold of XXXX no answer I emailed him twice never heard anything back. I finally heard back from a manager named XXXX XXXX. Only to tell me that I'm pretty much stuck with it and I signed the paperwork I said what paperwork. He sent it over. There was a quite a few things not right on it looked like the year XXXX my address was wrong, also wrong phone number and the signatures look different. They didn't have anybody sign their box. This company has been ruining businesses and people 's lives for 44 years it needs to stop.

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 2021-06-07
Company: MRS BPO, LLC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX a federally protected consumer was sent a collection notice from MRS BPO LLC on XXXX XXXX. MRS BPO LLC has violated federal law when they sent a bill to my home saying that I owed them {$8600.00}. They violated my consumer rights right there pursuant 15 USC 1692b. They also violated 15 USC 1692b ( 5 ) 2 TIMES, 15 USC 1692B ( 2 ) and 15 USC 1692c ( by sending the letter to my home ). 
There was no proof in the letter that said alleged debt was owed, just some nonsense about XXXX XXXX XXXX, XXXX being the creditor, with no factual evidence to back it up. Is this identify theft? What grounds do you have to contact me and say I owe you money?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
While applying for a mortgage, my lender attempted to verify the deposits in my account. They were told that I needed to request the verification myself. 

When I called, I was told they would not help me. Instead, they wanted to know my rate and said they could get me a better mortgage. When I asked to speak with the manager, she said she was the manager. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX It is my understanding that my bank is required to provide me a verification of deposit upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I initially disputed Account # XXXX with XXXX XXXX XXXX, XXXX via the 3 credit bureaus on XX/XX/XXXX. I received notice from the bureaus stating that the account was verified and proven to be mine yet I was never sent validation from XXXX XXXX XXXX, XXXX. I then disputed the account again and received the same response and no validation. After a 3rd attempt, I was finally sent 3 different billing statements to verify my mailing address but I had asked for validation that the debt was mine with proof of signed contract and agreement to pay the original creditor and/or PRA. All 3 statements that I was sent had different amounts from the amount that PRA was attempting to collect. This really made me feel like this was a scam. I had spoken with someone on the phone from PRA and was yelled at everytime I called. I informed the person that I had spoken with each time that this account did not belong to me. When I email this company, they advise me to call them. All of my attempts to communicate effectively with this company have been unsuccessful. PRA is violating my rights as well as the laws of the Fair Debt Collection Practices Act ( FDCPA ). These violations fall under sections [ 15 USC 1692f ] 808 ( 1 ) and [ 15 USC 1692g ] 809b for misrepresenting the amount owe and failure to validate before reporting to the credit bureaus. I sent PRA a validation letter on XX/XX/XXXX and I've received 6 letters stating that they have already responded to my dispute and will no longer investigate. This has been their response throughout this whole process and I still have not received any validation just billing statements for amounts that do not match the balance that they state is owed. One statement states there's a {$0.00} balance but {$1000.00} is due. There's three other statements with balances of {$3100.00}, {$3900.00} and {$3300.00} but Portfolio Recovery is collecting on a balance of {$4000.00}. None of this makes sense and it has not been validated and must be removed from all 3 of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to obtain my Equifax free online annual credit report today due to the recent announcement that Equifax 's consumer data was stolen. Equifax was not able to produce the online report ; the other XXXX agencies provided me their online credit reports.

Company response to consumer: Closed with explanation