BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I filed complaint number XXXX with the CFPB. In response to the referenced complaint, you claimed to take consumer protection obligations very seriously ; However, based on the evidence you provided in your response, regarding reference number XXXX, is it clear that your company is engaged in the ILLEGAL practice of re-aging of an account. 
Section 623 ( 5 ) ( A ) of the FCRA clearly states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Upon reviewing the information you provided in response to complaint number XXXX, it is clear that the account 's date of first delinquency ( DOFD ) was in XX/XX/XXXXor a date earlier than XX/XX/XXXX reported on my credit file. While you claim that it is your right to report to the major credit reporting agencies, the act of knowingly reporting misleading information or engaging in account re-aging is ILLEGAL.

By changing or failing to provide the date of first delinquency, the FCRA compliance date, it is clear your intend is to reset the clock so as to have more time to collect on this alleged debt. I would like to remind you that it is ILLEGAL to change the purge from date on a negative listing causing it to remain longer on a consumer 's credit report longer than allowed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am alerting the CFPB that Navient continues to report a student loan that was to be expunged from my credit report as part of a class action settlement. I co-signed for the loan what was taken out for XXXX XXXX for the California XXXX XXXX XXXX that XXXX attended from XX/XX/XXXX-XX/XX/XXXX. We were making payments on time during the repayment period, later we were part of a class-action lawsuit against the school for misrepresentation and eventually won a settlement for full forgiveness of the loan ( See Paragraph 4 of the enclosed settlement, that forgives all amounts due ).

We continued making prompt payment during the litigation and only stopped payment after we were advised by the lawyers representing the class-action that it was ok to do so the settlement was underway. 
However, despite this settlement and agreement from Navient that we made inXX/XX/XXXX to expunge the loan from our credit reports, the account is still showing up on my credit report as an unpaid charge-off account and with late payments for XXXX andXX/XX/XXXX Both these reportings are incorrect. I have enclosed my payment history with Navient that shows no lapses. 


Attached : Excerpt of my latest credit report ( show 's Navient reporting unpaid charge-off ) Copy of Class Action Settlement against Servicer & School Prior Payment history with Navient

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: General Motors Financial Company, Inc.
State: TN
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 autopay set up on my Gm Financial Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my GM financial autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails GM ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call GM financial and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing fraud I immediately login into XXXX to find that the GM account was showing 30 days late on two consecutive months. Either way, I call Gm financial to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call  the consumerfinance.gov number, the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the GM financial statement showing where the late charge had been credited. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I read an e-mail from XXXX regarding a new debit card that was mailed to my home address. I had not received the card, so I logged into the XXXX web site and noticed unauthorized transactions. All POS Debit transactions from XX/XX/XXXX to XX/XX/XXXX are fraudulent. On XX/XX/XXXX I called XXXX and spoke to a customer service representative who transferred me to a representative in the fraud department. I received an Affidavit of Unauthorized Debit Card Transactions form which I filled out and faxed to them and a case number XXXX. On XX/XX/XXXX I received a phone call to answer additional questions about the fraudulent transactions. On XX/XX/XXXX I made a call to them about the status of the claim and they stated that the claim was denied. I filed a CFPB complaint, XXXX and received a letter from the bank with the details of why the claim was denied. I mailed a letter back to them disputing their claims on XX/XX/XXXX and have not received any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-16
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
USDIRECTEXPRESS XXXX XXXX am XXXX XXXX, i called usdirectexpress to dispute fraud use on my card. i disputed them. they said, they would send me out dispute forms. they did not send dispute letters and said i had until Tuesday XX/XX/2022 to return it. tomorrow is XX/XX/2022. if it's not back in time XX/XX/2022 i get no relief from FRAUDENTLY ACTIVITY ON MY CARD. PRETTY MUCH I'M JUST SCREWED BECAUSE IT'S NOT BACK IN TIME, more than XXXX dollars i'm going to lose because they refuse to send me my dispute letters. is that criminal, allowing a federal recipient to be fraudulently taken advantage of, when they were told to have them bill me, no more because i don't go on dating sites and plus other non-authorized charges. I'm calling about fraud and the first thing i am asked is, what's your ss #. refuse to let me speak to a supervisor. XXXX and XXXX in disputes, XXXX XXXX, they say it's no other way to access my account ( DISPUTES ) and i know that not to be true. now I'm being lied to. As the police said, he never has to give his ss # to his bank when he calls. then they leave me on hold for over an hour AND A HALF, when they know time is of the essence, straight b.s'n. if they don't want to do their jobs correctly then why are they even employed, I'm confused. then they want to get upset because i'm upset due to their incompetence. never waited over an hour AND A HALF to speak to someone, so i see it as deliberate and malicious. and want to press a formal complaint against the dispute dept. namely, XXXX XXXX XXXX? ) AND XXXX AND XXXX, refuse to give last name but it's required i give them mine. YOU'RE NOT GON NA BE UPSET AT ME BECAUSE YOU FAILED TO DO YOUR JOB. I INCLUDED A PIUCTURE OF THE DELIBERATE WAIT TIME I HAD TO ENDURE AT INCOMPETENT PPL HANDS. 

XXXX XXXX -WANTS HIS MONEY BACK FROM BEING FRAUDED! THE LACK OF HELP MAKES THINK, NOT GOOD OF THEM MAYBE GET PPL THAT ACTUALLY WANT TO RESOLVE YOUR ISSUES AND THAT GIVE 2 XXXX  AS... WHILE PERFORMING THEIR JOB CORRECTLY. PICTURE OF DELIBERATE WAIT TIME ATTACHED : RELIEF SOUGHT : 6 MONTH PROBATIONARY PERIOD, NO-ONE SHOULD BE SUBJAGATED TO THIS FOOLISHNESS. I TOLD THEM THE BANKING TREASURER NEEDS TO KNOW HOW THEY TREAT, THE ALREADY SCAMMED. LAST DIGITS XXXX OF CARD ; TEL # XXXX ; I GUESS THEY CALL THEMSELVES BEING A SMART AS- 90 DAY PROBATION FOR THE CRIMINAL NEGLIGENCE UPDATE : AFTER WAITING AN XXXX HOUR AND XXXX MINUTES DAYSHAWN ANSWERS THE PHONE, I TALK TO HER ABOUT XXXX MINUTE AND SHE HANGS UP, WASN'T YELLING IN MY UPSET, I JUST GOT ROBBED VOICE. FIGURE THAT OUT XXXX TIME TALKING TO HER. XXXX MENTALITY... EASY TO COLLUDE AGAINST THE LESS FORTUNATE. NOW THEY NEED TO BE FIRED, FOR CAUSING DELIBERATE AND MALICIOUS FUDICIARY INJURY AGAINST A MEMBER OF A PROTECTED GROUP. OF COURSE, DONE WITH THE SUPERVISORS BLESSINGS, THEM TOO! 

XXXX BANKING XXXX XXXX : XXXX XXXX SEE ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
I went through a bankruptcy back in 2019 and noticed some accounts that were in my bankruptcy are still showing on my report and needs to be removed. This is an XXXX violation. The Following accounts are listed : XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX  # XXXX CREDIT ACCEPTANCE CORP # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions 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:
Company is not complying with their own policies in a timely manner.

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 2018-04-06
Company: JPMORGAN CHASE & CO.
State: MD
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:
My credit card is supposed to have travelers insurance. During hurricane Irma, my trip got cancelled. I was able to file a claim with the airline directly and get a refund for that. 

My hotel on the other hand, I could not get a refund, they could only offer another date during the year, which at this point wasn't really an option for me since I am now overseas. 

I filed a claim with my credit card and submitted all the documentation required. They still said I was missing documentation and I could never get a clear answer. It seems like they closed my claim at this time. 

There was plenty of documentation I sent, that I don't really have access to at this time, but the documentation being submitted here, should be sufficient enough to show my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a loan modification in XX/XX/XXXX or XX/XX/2017 and now after a year, I am being charged a past due fee of {$110.00} for a property evaluation they did. I was never notified, no authorization and no notification that I will be responsible to pay for this evaluation. First time I heard about this was when they added this past due in my mortgage statement in XX/XX/XXXX. Called to clarify what was this all about and this is what they told me, that a property evaluation was needed because I applied of a loan modification and that they need to know the value of my property. They denied me flatly at that time because I was not in default on my mortgage payments. So what is the point of the evaluation when they know they will not approve it. I called several times for them to take this out but they said they will not. Is this legal for them to charge me this? Wondering if this is a new rule that property owners asking for loan modification have to pay for something that they don't know about, that lenders can just do whatever they want without requesting for approval and then ask property owners to pay for it? As far as I know, when someone applies for a loan modification, they are not to pay anything regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Wells Fargo Dealer Services repossessed a car from me I contact them to dispute the item off my credit report and they never got back with me. This was a illegal repossession I never received any documents from them after they repossession the car like ( where it was sold, for I can buy it back, how much they got for the car or a letter letting me know it was up for repossession ) the dispute letter listed below ask them to provide proof and all the documentation that this repo was legal

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 2018-10-09
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: Account status incorrect

Complaint:
I am reporting wrong information on my credit report XXXX XXXX XXXX was deleted from off my XXXX XXXX account and still showing on my Equifax Report this account is close with a {$0.00} Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 my cashapp account was frozen due to " unusual activity ''. This happened just as I tried to send some money to another user. I immediately emailed support to have my account unlocked and have emailed daily since then it is now the XXXX of XXXX and no response. I also attempted to call the cashapp customer service number but can not contact a real person at that number. The automated message just directs me to send an email through the app which is what I have done daily since it was locked. My account has just over 2,000 dollars In it and it is vital to my financial wellbeing that I am able to access these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Specialized Loan Servicing. I have been paying PMI for four years now. I currently owe {$250000.00} on my loan. I asked that my PMI drop because the current value of my house exceeds 20 % of what I owe. They sent an appraiser and they determined my home was only worth {$290000.00}. I currently have two houses for sail in our neighborhood ( one is my neighbor ) for sale for {$350000.00}. My house is one of the largest in the neighborhood and it is estimated value online at {$390000.00}.

I asked them what the appeal process was and was told they have none.

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 2019-02-21
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon looking at an alert on my XXXX  and XXXX  report the company by the name of XXXX XXXX put a collection on my report from XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of XXXX it was recently removed from a collection agency before because I had no knowledge of the account, so I called inquiring about it spoke to agent # XXXX XXXX and she said a letter was sent out in XX/XX/XXXX and upon looking at your file this is our first time speaking with you and I said well if thats the case how do I know a letter was actually sent out then and she she stated we are a third party collecting a debt for XXXX XXXX XXXX XXXX and I asked for validation of this debt since they put this in my credit report she said she had to contact XXXX XXXX XXXX XXXX, I immediately knew this was a shady practice and she pretty much pressured me to pay for something I had no knowledge of and said upon paying they will send a email to send to the bureau, so with that being said Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609, and 623. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without it please remove it and if it continues to happen I will pursue suit because the company has damaged my excellent credit that i have spent years to get it wear it needs to be surely XXXX I would not let damage my credit or ignore if I have thousands of dollars credit that I pay 100 % on time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Regional Management Corporation
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Today, XX/XX/2019, I, XXXX XXXX, received an envelope from XXXX XXXX. Clearly in the address window were the words " payable to '' followed by my name and address. I opened it out of curiosity. It was a solicitation to take a loan with XXXX XXXX. Upon reading further, the check was live and cashable. The terms of the installment loan would be an APR of 44.99 % for a two year, {$2000.00} loan. I have pictures and originals of all documents. 

I think this would qualify as predatory and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a request for a loan modification on XX/XX/2018. I was notified items were missing and I supplied those items on XX/XX/2018. Today is XX/XX/2018 and I still do not have response to my request for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019 my bank card was charged XXXX for a service from the Experian reporting agency after they had already charged me XXXX for my reports and scores. I received no invoice of charges or description of services. I called in to experian to report the charge at XXXX and was rudely placed on hold without warning for 10 minutes by a woman who acted as if she could not understand me. Everytime she came back to the line and relized i was still holding she would placed me back on hold never resolving my complaint about the charge on my card. She then hung up on me. I called back again at XXXX. I then got a man who also was nonchalant about the person who previously hubg up on me. and put me on hold for another 10 minutes. He promise to resolve the issue and agreed to a refund i have yet to receive.

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 2021-04-02
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to communicate with them about my property taxes not having been paid with my escrow money and they then sent me a notification that the bill had been paid and it still has not been paid according to the county website 3 months after the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American medical collection agency licensed expired and they are not able to collect a debt from 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 2020-11-24
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.

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