BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a 18 month Covid forbearance because I experienced hardship during the pandemic, the forbearance was from XX/XX/XXXX to XX/XX/XXXX. I called my mortgage company on XX/XX/XXXX to discuss payment options since the forbearance was ending and the representative advised I could apply for a VA Disaster Modification which did not require an application or documentation to be provided. I advised the agent I wanted to proceed with this option. I called the mortgage company in XXXX, XXXX, and XX/XX/XXXX and also called in XX/XX/XXXX. I told that my VA Disaster Modification was denied and that my loan was being transferred to a new servicer who would assist me with modifying the loan. Something didn't feel right about the call so I called back in a few days and a representative told me that I was provided incorrect information and that my mortgage was not being transferred to a new servicer but that the Disaster modification was indeed denied and the only option I had was to apply for a full modification. I explained to the representative that I have been told month over month that met all requirements for the VA Disaster modification and that I just needed to wait for the review and I would receive the modification documents in the mail that would explain my trial and repayment period. I said it was very frustrating to wait 3 months and now have to start over and have to complete a full modification application and provide bank statements, tax returns, and paystubs. I said I do not want to apply for a full modification and am just trying to resume payments but I understand there is a 18 month forbearance balance that needs to be added to the end of the loan or some other action. The representative then advised that I may be eligible for the VA partial claim that would create a separate Note for the 18 month forbearance balance but the representative did not know how to complete it. I asked to speak with my assigned loan workout specialist or to a supervisor and the representative told me that she can not transfer me and can only send them an email and ask them to return my call. 
I just need help to speak with the correct department/person to confirm what steps I need to take to resume making my mortgage payment. I do not want to apply for a loan modification and should not have to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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/2019, I disputed a Chapter XXXX bankruptcy that was being reported on my credit report. XX/XX/XXXXthe credit reporting agency stated the information was verified as accurate. XX/XX/2019, I sent a letter to the court administrator of the courthouse where the bankruptcy was filed. In my letter I requested what is their procedure for verifying records with the credit reporting agencies. XX/XX/0219, The court administrator mailed me their response, stating the courts has no form of direct interaction with any credit bureau. Credit bureaus do not check with or otherwise have direct contact with the Court to verify information they have obtained from third parties. The Court has no involvement regarding what credit bureaus do with the information they get from third party administrators. XX/XX/2019, I mailed a copy of the letter to the credit reporting agency along with the response I received from the Courthouse Administrator stating how they don't verify the information with the credit bureaus. In the letter I stated per the FCRA 623(a)(5): "If the Credit Bureau cannot VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file". The Credit Bureau responded back stating it was verified. I then asked them for their Method of Verification. As a consumer, I have a right to request the credit reporting agency method of verification. I requested the Credit Bureau to send me the original method of verification from the Courthouse and they advised they do not have to furnish that information to me.

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 2018-09-18
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The following debt has been paid. I am a veteran and the VA pays all of my medical bills. I did not receive notification of any debt. They just placed it on my credit. 

XXXX Agency Name : XXXX Balance XXXX, XXXX Status Unpaid Debtor : XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-27
Company: Orion Portfolio Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been served a notice by XXXX XXXX, XXXX that they are going to collect {$620.00} from me. They state on their letter they are working on behalf of Orion Portfolio Services , LLC and the former creditor was XXXX XXXX. I have never done business with XXXX XXXX XXXX and am not certain what this is about, but due to the former creditor, I suspect it has to do with my time in XXXX, TX. In the fall of 2012, I worked for the XXXX XXXX XXXX XXXX, XXXX, TX and was assigned housing belonging to the school district. When I left the job in XX/XX/2012, I closed out the accounts associated with the housing, including the utilities. I did this in person in their offices. Later, I was notified by the utility that I owed them several months worth of electric bills for a period of time after I had left the premises and was no longer in the housing. I contacted them and let them know that this was not my debt and the problem was they had multiple addresses for the same houses and had mistakenly assigned this debt from another house to me. The assured me at the time they had cleared it up and I have not heard anything more about this issue until now. It is their responsibility of XXXX and Orion Portfolio Services to verity the accuracy of any efforts to collect a debt before sending out letters such as this. I am notifying the company, in writing, that I dispute this debt and will also notify them that I have filed a formal complaint against them. I have attached a copy of the letter they sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My account was just unlocked by XXXX last week and then a few days later reliacard actually locked my card. Im not sure why. There was no explanation on why they just did it.

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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are currently numerous credit cards listed on my credit report that I did not authorize. These accounts were not opened or initiated by me and was a result of identity theft or malpractice.

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 2018-09-18
Company: Second Round Limited Partnership, Austin, TX Branch
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have 2 collections account from a company I do not know of. I have disputed this on my credit report and they say the debt is valid, without showing proof of signature. Second Round insist that I owe this debt. I would like it removed from my credit report or they need to provide proof my signature for the debt they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi account package includes checking and saving account on XXXX. And the welcome bonus is {$500.00} if you complete one qualifying direct deposit each month for two consecutive months within 60 days of account opening and deposit more than {$15000.00} and keep this amount for at least 60 days. I have successfully met this requirement of this promotion by XX/XX/2020. And I wish to get my bonus crediting my account within 90 days of meeting the requirement. 

However, until today, I haven't received this bonus. And I have contacted the Citi customer service yesterday, they told me it will take another 20 business days to investigate this which is unacceptable!

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 2020-07-06
Company: JPMORGAN CHASE & CO.
State: CA
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've open a Chase Southwest Airlines Card in XX/XX/2020. I've been using the card with zero issues and have paid on the card monthly in multiple payments over my minnuim payment each and every month. On Friday XX/XX/XXXX I attpempted to add my card to XXXX XXXX to make purchase at XXXX XXXX for my daughters graduation gift in the amount of {$1500.00} and the charge was declined and all these fraud hold have been placed on my account. 

I called Chase and was given the run around and was told I had to call on Monday XX/XX/2020 to resolve a fraud hold. I attempted to call and was given the true run around and talked to very rudely by chase representatives. This is insane that a person can be treated so horribly and talked to rudely given I'm a customer with my credit card account in great standing. 

I'm livid that as a result Chase put my card under a 10 day fraud review which is totally unwarranted and huge inconvenience for me and my family. We had to go the entire Holiday weekend without access to my card which was big inconvenience. Chase has discriminated me and my family for making a legitimate purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was approved for a credit card from capital one credit cards I never received the card there happened to be charges on the account that I didnt authorize 1 for XXXX $ another for XXXX $ another for XXXX $ another for XXXX $ they honored XXXX $ of which XXXX not sure how they came up with that adjustment but I never made any of these charges and they are refusing to resolve the situation XXXX  the supervisor stated that I made a payment on the account in between these transactions of XXXX $ b4 I put in the dispute at the time of the payment my capital one app was not showing that these transactions were made and the supervisor XXXX if # XXXX was extremely rude and once we discovered that I was a XXXX American women I feel he was being very discriminating against me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08
Company: Frontline Asset Strategies, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Phone number XXXX Frontline asset strategies called my XXXX year old mother telling her that she had a XXXX card with {$20000.00} from 2016 she needed to pay immediately. We checked and my mother her never had one. I called that number that has a New Hampshire area code and they would not tell me what type of business they were, I asked for their mailing address and he put me on hold, he was hesitant, he found XXXX gave me a address, XXXX XXXX XXXX, XXXX XXXX, XXXX Minnesota. If you use XXXX XXXX that address is a parking garage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CITIBANK, N.A.
State: NV
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 personally called Citi Mortgage the first week of XX/XX/XXXXto get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX  on all the stress they put us all trough

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 2017-09-17
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on the XX/XX/XXXX in regards to a debt for a credit card that midland funding now owns. This is not my debt. I have no knowledge of the debt or a contract with midland funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX   XXXX {$590.00} XXXX XXXX XXXX   XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In going through a divorce 12-13 years ago this debt became part of my credit report. Impossible for me to pay as I had a XXXX XXXX  surround this same period of time and was left in terrible condition after XXXX XXXX XXXX. The company must have sold the debt or something and now it appears to be a new debt but it is actually from 2008 not in the last year. Im hoping this can be removed as it will be 13 years next month. 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 explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account been paid. No payment has ever been missed and therefore no lates should be reporting. I was not aware there were any lates reporting until I obtained a most recent copy of my credit report. I contacted XXXX XXXX   and spoke with the billing department and they stated to me that they did not show any late payments and/or missed payment in their accounting system. I have attached a copy of my payment history as proof that this account has in fact been paid. The lates being reported are in error and need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account been paid. No payment has ever been missed and therefore no lates should be reporting. I was not aware there were any lates reporting until I obtained a most recent copy of my credit report. I contacted XXXX XXXX  and spoke with the billing department and they stated to me that they did not show any late payments and/or missed payment in their accounting system. I have attached a copy of my payment history as proof that this account has in fact been paid. The lates being reported are in error and need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. CHAPTER XXXX BANKRUPTCY XXXX {$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 explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EQUIFAX AND XXXX XXXX FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. XXXX XXXX  IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND EXUIFAx IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE XXXXXXXX XXXX ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND exquifax IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation