BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: RoundPoint Mortgage Servicing LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage Servicing Company Overpaid my city taxes by thousands of dollars and it has raised my mortgage over a 1000 plus dollars. I have researched the issues that I have and I have seen a methodical pattern of the same issues that others are having such as over payment of taxes which include double payments, refusal to show documents and long hold times and ultra vague answers. I was working with a customer advocate and the number given was to a non working number. I have not made my payment due to not having the finances to pay the extra 1000 plus dollars. I have read the complaints on your database and it shows that when they say they will waive the late fee. they will not once after the due date. The issues that I am having is no fault of my own but it looks like the time it takes for them to fix the issue you are forced to pay the high increases with push back from the company to get a refund. I have contacted legal council to advise me on this and to conduct research on these issues that others are having.

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 2019-10-29
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back on XX/XX/XXXX I filed a complaint against this XXXX/Loan Care company because I felt was very unfair I would be penalized to pay an extra {$10.00} for online payment. 
On XX/XX/XXXX a rep from Loan Care called me, said they would do a one time courtesy refund for the first 2 {$10.00} taken and advice that if I set payment to process as auto draft I would be waived the {$10.00} every month. I was only refunded {$10.00}, never {$20.00}. 
I did so, setup auto draft, but due to their system take 2 month almost to process, I was forced to call in XXXX because I got a letter stating my first auto draft would be XX/XX/XXXX, I called to let them know I did as told and set it up for XXXX ( ya-ri-ya-ri-ya ... explaining ), spoke with XXXX on XXXX at XXXX XXXX, he apologized and said as ( again ) one time courtesy, seem all they do is first times, he would take the payment over the phone with out fee and confirmed next pymt would be auto drafted ( XX/XX/XXXX w/o fee - which happened ). Now I am getting a statement in which they added that fee that XXXX clearly said would be waived. Once again had to called Loan Care, spoke with XXXX today XXXX at XXXX XXXX, he read out the notes. He confirmed the XX/XX/XXXX conversation, saw notes about refunding my {$20.00}, I told him only got one and also read the XX/XX/XXXX notes which I paid w/o fee bc was waived. Now they want those {$10.00}. Clearly this company can not be trusted, each rep gives you a different story, no management comes to the line or supervisor to speak with.

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 2020-11-29
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XX/XX/2020 I've written to LVNV Funding requesting debt validation on alleged account # XXXX, and have had no response and it is still being reported. Other requests were mailed on XXXX, XX/XX/XXXX, and XX/XX/XXXX. How could the matter be resolved when I have NEVER received debt validation from LVNV Funding or debt verification from the bureaus? So it is so just because LVNV Funding says it's so? I thought the whole purpose of the law was for them to provide proof within 30 days. It's been almost 6 months. Why hasn't this company sent to me whatever information they are sending to the credit bureaus that the account is " verified as accurate and updated ''? I don't believe the debt can be validated. I don't believe the bureaus did an investigation because when I asked how was it verified the bureau 's response was to contact the creditor. I did that and they didn't answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2019-10-29
Company: Home Point Financial Corporation
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My escrow account is {$230.00} over the required amount due to New Jersey XXXX XXXX for senior citizens. On Wednesday XX/XX/XXXX I contacted a rep from Home Point Financial service but could not resolve this with her and asked to speak to a supervisor. I was transferred to supervisor XXXX XXXX and explained the escrow statement sent to me in XXXX was incorrect. They anticipated my quarterly property tax payment to be {$1300.00} but was actually {$1000.00} due to rebate. He said he understood and would request an expedited escrow analysis and I should call him back Friday XX/XX/XXXX at ext XXXX. I called twice Friday once speaking to rep and second call left a voice mail on his phone. I called again Monday and rep assured me she would email XXXX that I called requesting a call back. Today XX/XX/XXXX I talked to an XXXX and after explaining again the problem was transferred to XXXX 's voice mail and requested an update and again no follow up. I am attaching their escrow sheet which shows required balance and incorrect anticipated balance. Actual balance is {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
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: Investigation took more than 30 days

Complaint:
On around XX/XX/XXXX XXXX XXXX XXXX Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. 
XXXX administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that XXXX XXXX XXXX contacted Transunion and deleted the negatives on my credit report on XXXX XXXX. 
I have a credit score of XXXX on Transunion.. 

Respectfully XXXX  has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX XXXX and XXXX.I am a XXXX XXXX XXXX Military Veteran.

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 2019-10-29
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Comenity Bank has been harassing friends and family for the last month regarding a credit card account with Victoria 's Secret that has not been paid on since XX/XX/2013. My mother has been called from multiple numbers and also unknown numbers through Comenity even after she asked for them to stop contacting her since it was not my number. Comenity told her they would not stop calling unless I called and requested them to stop. They also have told her my information regarding this account that I did not give them permission to discuss with her. I did call to request to stop calling her and all other numbers but my own and within a week they had called my mother 3 more times. I'm aware I have a debt and needs to be paid. But they have also threatened to sue because I would not/could not pay them when I called about them harassing my family. They have called my father multiple times, and even my mother 's ex-boyfriend whom I have not associated with in almost 15 years. When I requested a letter with my last statement and payment date they refused saying they could only send a letter with a balance I owed, but no breakdown of principal and interest and could not put in a letter when my last payment date was as my account was closed and in archives. I sent a letter to the address they provided me with to obtain this information and have stated they did not receive this and still will not send me a statement. I am still receiving calls myself but will ultimately mail a cease and desist letter if they can not give me this information. Unfortunately even after mailing that I do not think they will stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX is asking me to pay over XXXX. I have not had any late or outstanding debt since a Chapter XXXX bankruptcy in 2012. My credit reports don't show any unresolved debt. They say the debt came from Citibank. What should I do?

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 2020-07-23
Company: EQUIFAX, INC.
State: LA
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 found an error on my report from my account with XXXX XXXX   stating that Ive missed a payment for XX/XX/2020. XXXX XXXX  has deferred my loan from XX/XX/2020 to XX/XX/2020 due to Covid-19. I was told that I can still make payments towards Escrow during any time of that particular month. My Escrow payment isn't required but should not report as a late payment ( especially if it was paid during XX/XX/2020 ). I've emailed XXXX XXXX  twice on XX/XX/XXXX and XX/XX/XXXX for clarity but they will not answer my questions but only respond to me when I'm submitting a payment. 

I've also submitted proof of payment and proof of mortgage deferment to the credit bureaus to remove the error and in return, XXXX XXXX   has verified the late payment as accurate AND listed a personal statement on my behalf ( without my permission ) to my credit report that reads " I am unable to make timely payments due to the impact on my job/wages as a result of the Covid 19 pandemic. XXXX XXXX   XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: ZARVAD III S.A.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
It came to my attention during the repayment to mypaydayloan.com, that the loan that they had given to me was illegal in my state of residence. Having already more than paid off the principle balance of the loan, and struggling with their illegal interest rates, I sent them a registered letter revoking their ACH authorization. I also demanded that they cease and desist any and all attempts at collections to this account. This was in XX/XX/2019. They have now contracted a 3rd party debt collector, however, XXXX XXXX. XXXX XXXX calls and makes threats about showing up at my house with legal papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Wage Garnishment of my income, for a credit card I have no knowledge of for this debt. 
XXXX XXXX Credit card opened inXX/XX/XXXXand the company states that the judgment is from XXXX. The company has summonsed me for a service judgment from the court for wage garnishments. The judgment amount total balance due is {$4600.00}. All of my old accounts with XXXX XXXX has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: NY
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 just recently disputed two XXXX XXXX XXXX, XXXX accounts that the same company had contacted me to fill out the information required to prove that these two accounts were and have never been mine. I had also included a letter explaining what has happened within the prior years of these debts occurring. I do not know what XXXX XXXX XXXX. did with my paperwork but Experian contacted me letting me know once again that these two accounts were VERIFIED ACCURATE. Experian does not have any phone number available for a person to call and talk to someone about any concerns. They only have automated phone messages. 
I just sent copies of the letters I sent to XXXX XXXX XXXX along with my dispute to Experian to see why once again they continue to leave these accounts on my credit file. The accounts were fraudulent many years ago. I also have requested that they are blocked from my report. I am very tired of disputing accounts that aren't mine regardless of XXXX XXXX XXXX sending me copies of statements from the original company debtor. These statements mean nothing to me when I wasn't the one who created the debt. Actually, they prove nothing but balances owed on accounts. Experian seems to continue appeasing this collection company by stating that the debts are valid instead of listening to ME! I also was told that if I disagreed with the results of the dispute I could write XXXX words about my side of the story on why I disagree with the results. There is nowhere on the site that allows me to do so. I am adamant about getting these false charges off my report and I am not receiving the assistance I need to help me get this done!!! If you look at my disputes from the past, I have continually fought these two debts being false. When is someone going to listen 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I modified my Mortgage in XX/XX/2019 and there is a clause of principal reduction has never happened I have attached a Time line, a set of documents about the modification and three pages of the Pricipal reduction agreement Please help me resolve this or giude me how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Theres a charged on my account from XXXX XXXX XXXX which I didnt know nothing about and I want account to be removed amont is XXXX $ or so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
WE SOLD A VEHICLE ON XX/XX/2021 AND WERE GIVEN A CASHIERS CHECK FOR PAYMENT. WE DEPOSITED THE CHECK ON XXXX TO OUR BANK WELLS FARGO AND WERE GIVEN A DATE OF XX/XX/2021 FOR THOSE FUNDS TO BE RELEASED. THAT DATE CAME AND FUNDS WERE NOT RELEASED. WE IMMEDIATELY CALLED WELLS FARGO TO FIND OUT WHAT HAPPENED AND WERE GIVEN A MESSAGE TO CONTACT THE ISSUER OF THE CHECK. THIS WAS THE MESSAGE THAT WAS GIVEN TO WELLS FARGO. XXXX XXXX XXXX WAS WHO ISSUED THE CHECK.. THEY TOLD US THE FUNDS WERE RELEASED ON XX/XX/2021 AND THAT EVERYTHING WAS FINE. WELLS FARGO IS SAYING NOTHING OTHER THEN THEY HAVE NOT RELEASED THE FUNDS AND THE ISSUE IS WITH XXXX  XXXX XXXX. THE CHECK WAS FOR {$19000.00} DOLLARS AND WE HAVE YET TO RECIEVE A LOGICAL EXPLAINATION OF WHO HAS THE FUNDS AND WHERE THEY ARE. BOTH BANKS ARE BLAMING EACH OTHER AND NO ONE HAS A DIFINITIVE ANSWER. WELLS FARGO IS SAYING THAT XXXX  XXXX XXXX HAS NOT RELEASED THE FUNDS AND XXXX XXXX XXXX IS SAYING THAT WELLS FARGO HAS NOT RELEASED THE FUNDS.

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 2023-03-30
Company: Resurgent Capital Services L.P.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am not familiar with LVNV FUNDING LLC, but there is a collection on my credit report claiming that I owe a debt to your company for the amount of {$500.00}, but I am confused where this misinformation is coming from. I was never informed that this debt was sold to you therefore I am a bit skeptical making a payment to an unverified company. Also, my balance with the original creditor is not the same as the balance that you are reporting on my credit report. Please explain how this meets FCRA requirements. Lastly, I have not received any proof that this account is mine especially since the balance is not correct. My personal information was involved in a data breach, so it is quite possible that my information was compromised. Please provide the original contract with my signature, correspondence that was sent to me to inform me that the account was sold, a copy of my photo id and social security card, the amount in which you purchased the debt, and a license to collect debt in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: LA
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:
Information is inaccurate from credit bureau. Report is stating closed from XXXX and Experian but XXXX is stating open. 
Invalid open dates from all three credit bureaus.Showing a passed due amount when account is reporting as closed. 

Past due stating XXXX Open date XXXX XXXX Experian XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: FC HoldCo LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I recently reviewed my credit report and noticed inquiries that I did not authorize. I never gave XXXX XXXX to review my credit profile. 

XXXX : XXXX Transunion XX/XX/2023, XX/XX/2023, 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 explanation