BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-23
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am yet again having issues with forced-placed flood insurance issued by Roundpoint Mortgage Servicing. I have repeatedly provided them with proof of my condominium association 's flood insurance by multiple means listed on their website ( it still says you may email documents, and an agent told me this was still available, yet when I called again another agent told me the e-mail address was no longer functioning ). Despite this, I received an acknowledgement of receipt of my email by Roundpoint 's servicing department weeks ago. I also uploaded the documentation onto the website over a week ago, with no response except my escrow analysis which now claims I will owe an additional {$300.00} a month in escrow payments due to this duplicative and unnecessary force placed flood insurance. Roundpoint needs to immediately fix this error and oversight on their part, as well as address this miscommunication issues within their insurance department. My condominium association has a constant and continuing policy that is automatically renewed every year. The current process is burdensome and rife with errors on Roundpoint 's part. I want issuance of the force placed insurance reversed immediately and credited back to my account, and a new escrow analysis to be performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a collection on my credit reports however the address linked to the collection is NOT mine nor have I ever lived there. The house number and street name and state are the same but the town and zip code are not mine. I have tried disputing this debt and asked for PROOF that this debt is mine, they have not given me proof. I have NEVER lived at the address they are reporting nor have I even lived in that town. They have not shown me anything and I am tired of it ruining my credit due to their improper reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: EQUIFAX, INC.
State: NJ
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:
on XXXX/XXXX/XXXX i submitted my dispute with the CFPB XXXX stating that the credit bureau Equifax is not following proper investigation procedure under the FCRA XXXX XXXX a ). This CFPB dispute is still pending Equifax resolution which I hope to make more clear with this new dispute showing how they are in violation. I have asked them more then one time to remove the inaccurate false public record ( Case or ID # XXXX ) on my credit report and they have failed to do so and failed to comply with FCRA rules and regulations. 

under FCRA 611 ( a ) Equifax is suppose to send the dispute to the data furnisher regarding this public record to be validated, NOT to a 3rd party vendor in which case they sent it to XXXX to verify if the public record is accurate. In my letter to them i asked for the method of verification under the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) because i had a strong feeling that were not up to the task to do a proper investigation on this public record which has appeared on my credit report. My lexis nexis report has been frozen for over a year due to a past identity theft and yet somehow they go to them to verify??? this is clearly negligence on their part for me or anyone to think they even truly verified this public record. 

attached in this dispute is the letter sent to me from equifax showing this clear violation. Equifax confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The services youve provided is unprofessional. Time and time again Ive attempted to resolve the issue of your company ignoring my certified letters, hanging up the phone done by your supervisors, ignoring my rights as a consumer. I have mailed off previous cretified letters to find out that they were loss and this is the third and final 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 explanation
Consumer complaint received 2019-01-23
Company: Early Warning Services, LLC
State: VA
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:
Incorrect information on my account that happened in XX/XX/2015 when i was XXXX XXXX  to my daughter and i tried to explain to them that i have losted my card or that it was stolen but they still will not help me in anyway i showed proof that i was XXXX XXXX  so their was no way I could have been in New York doing fraudulent activity with my card or my bank account but they still turned me down and would not hear me out i still was denied a real chance to plead my case i stayed in hospital from XXXX in the XXXX   XX/XX/XXXX until after XXXX  sometime XX/XX/2015 my daughter was born at XXXX XXXX XXXX something XXXX on the XX/XX/XXXX after they induced me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
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:
Personal Statement : MY WALLET WAS STOLEN BACK XX/XX/2010, I HAVE ALREADY TRIED CALLING ALL 3 CREDIT BUREAUS SEVERAL TIMES, SENT IN POLICE REPORT, AND RECEIVED NO HELP. I CONTACTED THE POLICE AT THE TIME IT HAPPENED AND WAS TOLD THERE WAS NOTHING THEY COULD DO SINCE I DO NOT HAVE THE NAME OF THE PERSONS RESPONSIBLE. I HAVE CONTACTED THE COMPANIES PERSONALLY FOR ALL THE INQUIRIES ON MY CREDIT REPORT ANS ALSO NO HELP. I HAVE DONE MANY THINGS TO TRY AND CORRECT THE MISINFORMATION ON MY CREDIT REPORT, AND ALL THE INQUIRIES ON MY REPORT. THIS IS VERY STRESSFUL AND HAS CAUSED A STRAIN ON MY FUTURE FINANCING ALL BEACAUSE SOMEONE STOLE MY IDENTIY. IT'S HENDERING ME FROM PURCHASING A HOME AND I HAD TO GET MY MOM TO HELP ME FINANCE A CAR. PLEASE HELP ME CLEAR THIS MATTER UP IF YOU CAN THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i went and got a car wash from a company which i paid with my debt card from wells fargo when i got home i saw the damage done to my car and the fallowing morning it was apairent that they soaked my carpet and a very bad smell was coming out of my car i called the car wash company and they didnt want to help so we called the bank that we have been with since 1996 and gave them everything they asked for but today i recived a letter that they are going to deduct the money from my account and that they show that some one with authorization used this card this bank claims to have protection for its clients and that it will protect them from fraud and theft are they not aware that theft by taking is the worst kind of theft

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 2018-06-07
Company: EQUIFAX, INC.
State: KY
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:
On XX/XX/XXXX I called Equifax and spoke with a representative named XXXX about why this unverified inaccurate Bankruptcy was not removed from my credit report, after sending them the supporting documents from XXXX. After speaking to her supervisor she suggested that I call XXXX and have them submit something by fax saying they DO NOT have this bankruptcy on my file. I immediately called XXXX and spoke with a representative by the name of XXXX ( ID # XXXX ), she informed me that Equifax can access their data base and see anything they needed. XXXX wanted to investigate the issue more and asked to call me back within 24hrs.  On XX/XX/XXXX while waiting, I called Equifax back and spoke with a representative named XXXX, she said in order to have this bankruptcy removed from my credit report XXXX needs to send them the code to have it removed. While on the phone XXXX from XXXX called back at XXXX and said once Equifax submit the dispute then they will respond to them and give them the information needed to remove it. 

This bankruptcy has been disputed multiple times since XX/XX/XXXX, when I received the resolution letter from XXXX. XXXX and Equifax need to stop playing the blame game and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called Wednesday XX/XX/XXXX to dispute the loan balance showing on my credit report confirmation number XXXX. Citizens reported my balance as XX/XX/XXXX as {$26000.00} and XX/XX/XXXX {$26000.00}. This is a new car loan that was opened XX/XX/XXXX original balance {$26000.00}, so my balance should not be increasing. I made my first payment on XX/XX/XXXX for {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a first position HELOC that was originated with XXXX before the Wells Fargo buyout. During the recession that started in 2008 the line was frozen due to credit challenges I endured due to my being in the mortgage industry. I have never been late on any payment on the line since its inception with XXXX. Despite having enough time between negative entries on my cedit report and the present day to get a conventional loan, Wells Fargo will not un-freeze the line, even with a reduced credit line amount to the present balance. I have applied 3 times over the past few years. I believe this is becuase the original contract with XXXX has a interest rate of prime - .50 %. Their purcahse of XXXX did not give them the right to unduly burden the XXXX customers they acquired.

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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My debt has been repeatedly transferred to different servicers without any proof of accounting, proper accounting, proof of standing, and other supporting documents. The complaint recently filed against Kentucky Higher Education Assistance Authority ( Complaint No XXXX ) was the first time the servicer corresponded with me or my legal counsel regarding the debt. They responded saying they would cease collection notices based on " HESAA not providing a promissory note or other relevant documents ''. NJHESAA and FFELP have repeatedly failed to provide documents supporting the debt and their right to make demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Morning, On XX/XX/XXXX I called XXXX XXXX to settle an amount for XXXX dollars for a canceled XXXX XXXX plan. We agreed upon XXXX to settle the account and show it as paid and closed. I paid the agreed upon amount and waited for it to reflect on my credit report. It finally was updated and was removed from my credit report initially. Later I noticed it was on my XXXX Credit report so I disputed it and it was successfully removed on XX/XX/XXXX. Report Number for this is XXXX in reference to account number XXXX with XXXX XXXX. Since this time I have started the process of buying a home and when my credit report was pulled I was shocked to discover that this account was back listed as a collection account with both XXXX and XXXX. I have disputed the account with both and it still hasn't been removed. I then called XXXX XXXX and they had no idea why it was showing on there end as no longer settled and weren't of any help. I then proceeded to go back through my bank statements and find the exact day and time I paid the settled account. There was a phone number listed that didn't match XXXX XXXX so I called it and it was another collection firm. She affirmed to me that I did in fact pay the debt and the amount I have referenced above that for some reason XXXX took back ownership of the account and she doesn't know why. So here I am not knowing " why '' a account I have settled is still showing as unsatisfied. On my bank statement the amount charged to me to settle the account also has XXXX listed so I am upset with this matter. Something is being done wrong and I find it highly offensive that no one seems to know why. How do you lose an account and then magically reopen it back up as not paid?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed owing the debt to all credit reporting agencies and despite bank statements, it remains on my credit and causing undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: ACRE MORTGAGE
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello this is more of a general complaint that I felt obligated as a professional to let the CFPB know of illegal practices taking place in my area. There is a mortgage company Acre Mortgage and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. The loan officer name is XXXX XXXX. He charged one of my clients {$2000.00} cash to help her find a loan a week before closing and told her that she would not get the loan or do the closing if she did not pay him. He also filed her tax return in the work office so that she could have a fake business loss so he can qualify her for a low income loan. He also did not sign the return as a tax preparer. Unfortunately this person is only XXXX  speaking and a first time home buyer and was unaware of what Mr. XXXX XXXX was doing. Its unfortunate that as a XXXX he is taking advantage of other minorities instead of helping them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/2019, I received an alert from XXXX  saying that my credit score had decreased and one of my account had been charged off. I immediately logged in to see what was going on because I always am up to par on my credit reports because I am trying to buy a house. Needless to say it says that XXXX XXXX XXXX XXXX has CHARGED off my account. This is absolutely in correct because my car was totaled out from a wreck and the insurance paid their portion off leaving me a small portion which I paid off before time. I always kept up to date with XXXX  XXXX on this and several representatives assured me that since I paid the balance off before time that the account would not be charged off. Well I am livid, because it made my score drop and this charge off is on my credit report. I contacted XXXX XXXX last week around XX/XX/2019 and the representative looked into it and told me he was not sure why this happened, but I would be getting something in the mail.

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 2020-08-31
Company: EQUIFAX, 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$320.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX  XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: GVA Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
took this payday loan of {$600.00} back in XX/XX/XXXX. As of XX/XX/XXXX i have paid the full {$600.00} however.. the interest rate is going to be extremely difficult as I just recently became unemployed and i still have another 6 weeks of paybacks that i can NOT afford,. i have XXXX  little girls and a household of financial responsibilities and i can not pay those payouts of {$200.00} each for the next 6 payments,. paying back another {$1200.00} is something i can not afford right now and am not even sure if a interest rate of a about 110 % is even right. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I call today XXXX XXXX XXXX and spoke with XXXX XXXX she call me a lie about 14 medical bill I dont own .. I try to talk to her about is identity theft be cuz I have the prove and police report I been in this situation over years .. they dont want to make any fail decision about my case she es very rude to me by the phone ... she was I have medical insurance I never have before in my life!! The only insurance I have is XXXX  XXXX She say she didnt believe what I was saying .. any to XXXX  no collect entre medical bill in my name she say they have 14 new bill from XXXX XXXX clinic

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal identity was stolen and numerous cards were opened in my name fraudulently without my permission. I called Capital One to make them aware. I believe the day I called was on XX/XX/XXXX. At that time someone from the fraud dept told me the accounts were being closed and they were sending me some information w/in 7-10 days. 14 days had passed and I still had not received anything in the mail. I called again and the mngr in the fraud dept told me someone forgot to mail the info out. The next day I received a call from a manager who claimed to be assigned to my case. I could not answer the call and he left a voice msg stating " the act has been reviewed and they have reached a desiscion '' ( I still have the voicemail ) At that point I immediately called them to complain because they had not sent me 1 letter regarding the fraud and I still had not sent them my police report along with other important information. I spoke to supervisor XXXX in the fraud dept who told me that no one should have contacted me stating that because the acts were still under investigation. I stressed to her that this is ridiculous that someone would call me to tell me this without having any information that I have in my hands. At that time she said that it would take 30-90 days before someone might be assigned to my case and she also stated to not do anything with the act. A few days later I received a notice from XXXX  that my credit score had dropped 81 pts due to being late on a Capital One act. This should not even be on my credit report due to fraud and now it dropped my score 81 pts. I have reached out to Capital One 3 times after this and as of today XX/XX/XXXX I have not heard back. I have attached police report that I have mailed into the XXXX  as well as Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have applied for a checking account and was denied two times I havent had a checking account in about 7 years I need all my negative items removed I cant even start a business

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