BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern : Please see information attached which shows I signed and agreed to a modification on XX/XX/XXXX. Due to unemployment until XX/XX/XXXX, per the attached agreement I informed XXXX of my Employment and on several occasions contacted the office to put my loan back in good standing as Promised.Instead I now have a higher interest rate and also added interest separated from my principal in the amount of over {$37000.00} since XXXX I have paid more interest, and I have interest which is waiting for me to pay the loan in full. My loan was paid up by XXXX XXXXXXXX XXXX until i got a Job. When I started back to work the loan was caught up. I have tried to correct this for over 4 years. I am reaching retirement with my mortgage, in a situation that I was promised that the loan would be Refinanced or modified by XXXX, however when I called they told me they had no authority to do what they promised. I feel the promise was just to get me to sign the paperwork.Speaking to Representative after Representative then Mortgage transferred to still getting no help. Phone call after phone call has caused me so much frustration, I do not think at XXXX  years of age I should have this battle, therefore I am really hoping to get this settled with help from CFPB. This is my second request for help, my property value is not increasing, and the home needs some repairs.I will be retiring in XXXX, and would like to do so in peace. I am providing the attached information. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
There were multiple fraudulent transactions on my XXXX XXXX XXXX. So, I filed a dispute on XX/XX/XXXX and I sent my dispute forms by mail with a tracking number. 
Per my tracking number, my dispute forms have been delivered to the address they provided me with ( cardholders services XXXX, Fl ). 

It has been more than 10 business days and I havent received any provisional credit or any type of resolution. 

I called multiple times to inquire about the dispute or if the dispute form have been received and they keep giving me the run around. 
This company is violating Regulation E

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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 have been writing letters and I haven't gotten any resolve. I have sent 4 validation letters on these dates ; XXXX. I have not gotten any paper work that states I owe them anything. The original bill was from XXXX XXXX, and all they sent me was a copy of a bill. I have asked them for a signed contract and they have yet to furnish me with anything. The amount that they say I owe is {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe I am victim of mortgage servicing fraud. 

On XX/XX/XXXX I requested a copy of the assignment of mortgage from the servicing company On XX/XX/XXXX I requested a copy of the mortgage servicing agreement between XXXX and Mr. Cooper. 

On XX/XX/XXXX I received a copy of the allege assignment of mortgage but I have received a copy of the mortgage servicing agreement between XXXX and Mr. Cooper. 

I am current on my mortgage. Sixty days has passed since I submitted the RESPA request and Mr. Cooper has failed to reveal it's rightful claim to collect my mortgage payments. 

XXXX was fined for committing mortgage service fraud and I believe that Mr. Cooper is a conspiring party as well. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried numerous time disputing inquiries with bureau stating that I did not apply for a job or was granted credit with these people and wanted them removed told them I tried sending letters to creditors with no response

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 2019-06-12
Company: Avant Credit Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I personally, closed credit card account ending in XXXX, the company sends me a statement with a closing date of XX/XX/2019 advising of a credit of {$2.00}. Rather than take the rational normal approach of sending a refund check, they send a statement advising of a minuscule credit. 

Please inform the simple minded company to issue me a refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Equifax, XXXX XXXX, XXXX not reporting things right. First off XXXX company is by far the dumbest! Why did you take off XXXX credit card. Never asked you to do that! XXXX card was not fraud or open fraud or part of identity theft! Your company needs to pay attention big time. You leave the identity theft fraud on my report and take off XXXX you not to do. Your company by far the worst company I ever have to deal with! This is why I just got a lawyer and suiting big time. You still have 5 accounts from identity theft. 2 accounts from XXXX XXXX XXXX XXXX XXXX one account XXXX the other XXXX accounts on here after submitting a document from that company. They they dont have an account from me! Then after 4 times tell your company about identity theft to take off XXXX XXXX XXXX XXXX, XXXX XXXX credit card XXXX, XXXX XXXX, XXXX. Name is not right you still have it wrong its not XXXX XXXX or XXXX XXXX XXXX its XXXX XXXX XXXX XXXX. I am a XXXX! Please get it right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The following information should not be appearing on my Equifax report and they keep putting it back when all this should have been removed. It has been an ongoing problem with them. XXXX and XXXX cleared it from my records but Equifax keeps being difficult. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 have been writing letters and I haven't gotten any resolve. I have sent XXXX validation letters on these dates ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not gotten any paper work that states I owe them anything. The original bill was from Capital One, and all they sent me was a copy of a bill. I have asked them for a signed contract and they have yet to furnish me with anything. The amount that they say I owe is {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I have been with American Express credit card for at least 10 years in all this time I've made my payments on time except for this past few months since I lost my job and was late 3 times, 2 of which was 1 day late. They now charged me a {$27.00} late fee and raised my mininum due payment from {$35.00} to {$62.00}. They told me they would put me on a payment plan of {$16.00} a month but close my account which is already closed since it was issued through XXXX & I no longer wanted to pay the {$50.00} annual fee. But this would harm my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 a bogus judgement was filed against me, and a lien in Small Claims Court. 
I have inform the company several times that I do not owe the debt they are claiming I owe. The amount originally started out approximately XXXX and now has accelerated to approximately XXXX. 
The creditor kept reselling the paper to other companies over the years. I paid a credit repair company to assist me in resolving the matter, but as of to date they have been ineffective. 
All I got was a judgement and a lien against me, without a court date to appear. I have spoken directly to the law firm representing the creditor and I ask them to present to me documentation with my signature, but as of to date they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Convergent Outsourcing Inc is reporting that I owe XXXX XXXX  a balance of XXXX and I do not owe XXXX  XXXX  anything. They were in my bankruptcy but also charged my bank account XXXX for unreturned equipment, This debt has been paid.

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 2021-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
debt bought by a 3rd party seller and have been calling my phone non-stop all times of the day from different numbers trying to collect on a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpt . M, DXXXX XXXX, FL XXXX XX/XX/2021BANK OF AMERICA XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Dear Sir or Madam : As ofXX/XX/2021 it is still displayed on all three of my credit report files, XXXX, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on BANK OF AMERICA WITH NO Account number XXXXXXXXXX with a balance of {$64.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, 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 2020-05-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY
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:
I have no idea what this is for. This account shows opened in XXXX but it has never appeared on any previous reports until this XXXX How can this be accurate information? No date of last active no date of last payment, but it showed disputed which shows proof they received my letter. 
There was a letter sent to both the bureau XXXX XXXX XXXX XXXX and to Wakefield & Assoc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Over and over I have had contact with XXXX in regards to an installment loan that they wrongfully put under my name without ever running my credit report. According to them I would be added as a card holder with no obligation on my end due to my partner having the membership with them.. after several attempts they have continuously put wrongful information under my credit report, yet completely removed the inquiry from my partners credit report on Experian. Im not understanding how its still on mine and yet I was not the main account holder ... my credit report was never allowed to be run!

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 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 filed a complaint with the CFPB ( # XXXX ) against Capital One. Capital One 's " response '' was another form letter showing that my earlier letters were not even read.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
An attorney that was assigned to be my children 's advocate attorney in XX/XX/XXXX, continued to bill in spite of her lack of help for my children. I paid her retainers and monthly payments. My ex was responsible for half of all billings. He never paid his half. The attorney was dismissed from our case in XX/XX/XXXX. She  continued to bill after. She then wrote off the debt and sold it to a collection agency. The collection agency then tagged my credit for {$28000.00}. The attorney write off was {$11000.00}. Bottom line, the amount billed is inaccurate, unjustified and illegal billing. The collection agency has been unwilling to work with me and take this off my credit, preventing me from buying a house. Further, I offered a debt settlement offer to gather an agreement to enable me to purchase a home and the collection agency was unwilling and extremely rude to come to any agreement. There are several complaints online about this collection agency and I believe it should be illegal for any collection agency to out anything on a consumers credit prior to obtaining a judgement that is awarded after proof from both sides is evaluated. I want this collector to be fined and made to get off my credit report to allow me to buy a home. Further, if I am unsuccessful in getting him off of my report, I will lose my escrow deposit and will be forced to file chapter XXXX. I need help to get this bully off my credit report and go about any further reporting after the correct amounts and agreements have been made. 
I have tried to dispute with the credit reporting agencies and the collector, XXXX XXXX keeps changing the dates and showing a ledger that is not accurate, justified or legal. He has put the collection on all 3 credit bureau reports.

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 2021-04-23
Company: Mortgage Research Center, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My complaint is regarding the misapplication of my mortgage payment thereby causing late payments being reflected on my record and harassing telephone calls in an attempt to collect payments and late fees. 
Upon closing my home purchase I received preaddressed mortgage payment slips. The slips were made out to Mortgage Research Center , LLC dba Veterans United Home Loans. My mortgage payments were sent via XXXX XXXX bill pay system and shows the below listed information. Payments were cashed or acknowledged by Mortgage Research Center. 

a. Sent XX/XX/2021 expected delivery XX/XX/2021 cleared XX/XX/2021 b. Sent XX/XX/2021 expected delivery XX/XX/2021 cleared XX/XX/2021 c. Sent XX/XX/2021 expected delivery XX/XX/2021 cleared XX/XX/2021 XXXX XXXX has payments received : XX/XX/XXXX, XX/XX/XXXX and XXXX not received as of XX/XX/2021. 

Approximately XX/XX/2021 I received a letter from XXXX XXXX aka XXXX XXXX that indicated future payments should be made to them. I telephoned XXXX XXXX to confirm the authenticity of the letter and was immediately confronted with questions regarding late payments and penalty fees. I began making inquiries with Veterans United and XXXX XXXX to ascertain why I should be penalized for late payments and have it reflected on my pay history. 

After a number of telephone calls and answering redundant repetitive questions from recordings and reception people I was referred to someone from Customer Service. I was advised by Veterans United Customer Service representatives that " everything '' was taken care of and my pay record would be reflected as timely. For the last couple weeks I received daily telephone calls and messages from XXXX XXXX in their attempt to collect XX/XX/2021 payment which was yet to be received ( XX/XX/2021 ). Thus far I am charged with {$92.00} in late fees and have 3 months late mortgage payments. As of that date they advised me that my record stills show the late payment and no payment for XX/XX/2021. 

NOTE : I have bank statements that show the itemized information above. The documents could not be attached to this 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 2019-06-12
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a {$15.00} collection notice from this company in regards to client XXXX XXXX XXXX XXXX, when in fact, I do not owe this amount. Received services from this provider in XX/XX/XXXX for an annual XXXX, per the office staff at the front desk, I do not pay a co payment for an annual exam, the medical office billed the visit as a regular medical visit. Called medical office twice during the month of XX/XX/XXXX, was supposed to receive a call back from XXXX, this never happened, nor was any billing correction made. In, XX/XX/XXXX contacted the service number for the billing department at ( XXXX ) XXXX, was informed that someone in " accounting would look into the matter ''. One month later, no one replied back to me and rather automatically sent this small balance bill to Apex Asset Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I currently pay every week due to budgetary restrictions. When the payment is processed it get applied to the principal and not the monthly payment. Each month I have to contact the company to correctly apply my payment. It appears that the payments are not posted to the actual payment date. It appears as though the payments are applied to the payment due date. By doing this the interest is not reduced at a faster rate and making me eligible for an early payoff.

Company response to consumer: Closed with explanation