BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) closed on XX/XX/21 for the amount of about $ XXXX. Since then I made two payments to them : {$50000.00} on XX/XX/21 due on XX/XX/21 and {$100000.00} on XX/XX/21 due on XX/XX/21. I got statements from them that the payment was accepted and my principal balance is {$650000.00} dated XX/XX/21. 

On XX/XX/21 the mortgage was transferred to Community Loan Servicing LLC XXXX XXXX. XXXX XXXX XXXX, OH XXXX ). But these guys dtate that my principal balance is {$800000.00} and required payment due on XX/XX/21. That is they lost about {$150000.00} principal payments, incorrectly calculated due date, charged interest on higher amount, and charged late fee because I made next payment on XX/XX/21. 

I contacted Community on XX/XX/21, XX/XX/21, and XX/XX/21. Every time they promised to resolve issue in 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
For years, I have attempted to make payments thinking this loan was tied to my XXXX XXXX After a caring representative clarified my concerns she answered all my questions and provided me with a copy of the check Navient claimed I have cashed. For years prior, I was told they couldnt provide me with information regarding the application. 
Once the copy was sent to me, as expected this check was falsely endorsed with my name and cashed into an account I never had! 
So for 9 years and an interest rate doubling the loan, I have slaved in order to keep my credit subpar and pay for a {$19000.00} check I never cashed! Not to mention the discriminatory remarks made by agents during a pandemic. Navient has to be one of the worst student loan shark in the nation! After I completed this investigation on my own accord, I have called Navient repeatedly- as they have done to me and my poor grandmother in order to request Navient to complete an investigation and confirm my findings. Again, the wonderful, cheerful representatives left me on hold for upwards 45 minutes to only hang up on me, or respond with- well lets see what reduced payment options you qualify for. 
Please tell me who wants to pay {$42000.00} for a {$19000.00} check they never cashed? 
These are the events in life, where someone doing there all to make it, can literally break emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Experian Information Solutions Inc.
State: NY
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:
In the month XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2021-07-15
Company: Experian Information Solutions Inc.
State: TN
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:
Inaccurate Information is reported under late payments with the company XXXX and a new account was open that's is not mine Name XXXX. 

Some of the late payments reported was during XXXX XXXX late payments should be removed from my account

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 2021-07-15
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to this company Merchants Adjustment Service pretty much every since this collection has showed up on my credit report via mail and I have not received any feedback whatsoever. I have never received a " debt validation '' letter from them nor have they responded back to me to " verify '' that the debt is actually mine. I have disputed with the Credit Bureaus about this also and they always come back with that the debt is " verified '' without any proof. I have requested documents that include my signature, verifying the debt is mine. The last attempt I made with this company was back in XXXX of 2021 where i sent them a letter via " certified mail '', it was returned signed by someone who i assumes works there but they " neglected '' to put the date that they signed it when clearly they have 30 days to respond. They never responded and today is XX/XX/2021. This collection is damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2021-07-15
Company: Experian Information Solutions Inc.
State: NV
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:
experian is reporting a hard inquiry for XXXX, that is plain as day that its not mine, on XXXX XXXX it make no sense whatsoever why that inquiry would appear unless it was an attempt at fraud.

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 2021-06-03
Company: EQUIFAX, 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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Paramount Residential Mortgage Group manager XXXX XXXX constantly bombarded me with the idea that he could get us approved for a mortgage with no problems. He initially gave us a preapproval for $ 300+.  Even after reviewing our information he said we would have no problem closing. Then he pawned us off on a young kid who literally did nothing for us. He never returned our phone calls, or to our realtor. He blew off my concerns and assured me we would close on time even though he was not consistent with communication. Nearing our closing date he told us we would not be able to close on the initial date we agreed upon. Weeks go by without communication again and finally he states my credit is no longer sufficient. This is after he does multiple hard inquiries! As it turned out, I paid a couple credit cards too early and they were considered not paid in the correct statement period. I contacted each company to resolve this on my credit and they agreed to do so. However, without my permission, Paramount decided to disclose my credit history to the sellers realtor and stated " I do not pay my bills, so find a new buyer '' ... Then they killed my loan. They also NEVER told me any of this, so I thought my loan was still in process! The sellers realtor let my realtor know via email the context of conversation between her and MY lender. I am now out {$700.00} earnest money, {$700.00} appraisal fee and the loss of the house and my realtors commissions. And the sellers in turn lost the home they were purchasing as well. 



Paramount Residential Mortgage Group - XXXX XXXX. 

Address : XXXX XXXX XXXX # XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-02
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
1st thing I should say is I am XXXX and on social security XXXX because I XXXX XXXX XXXX. 
This is concerning a non secured personal loan. from a bit over 9 years ago. 
In XX/XX/XXXX I was served with papers to go to court over this and the officer said and showed me on the papers if I did not show up they would arrest me and hole me till my next court date. He said the judge had the ability to do that if someone does not show up and they ask her to. 
I went and never saw the judge because the atty, took me to a room and tried to tell me I had to swear on a bible to tell the truth and so forth just like I was in front of the judge, I confronted him about this and he shut up and tried to railroad me into signing papers saying I would pay the debt. I told him I could not afford to pay my living expenses at the time and that I was XXXX and could not pay. He kept trying to railroad me by asking what amount i was going to pay each month like I had no choice. I rather rudely at that time told him to stick his papers where the sun does not shine and I was not signing a dang  thing. AT that point he thanked me for showing up and told me I could leave. 
On `XX/XX/XXXX, I got a letters from the original company at a minimum of 8 times since then I just ignored them. Today I got one with an stamped return envelope and a letter asking how much I was going to pay. There was another asking me to call the manager. I did and I told him the same thing I told the attorney in court and he gave me a line about how I could sleep at night, from there things got heated and at one point he dared me to come down there when he got off work or even now and he could clock out and we could take it up personally. He then made a veiled threat that he had my address and what he did off company time was his business and hung up on me. 
I admit I did call him back and used a few words I will not type here. At that point he told me he was going to call the cops on me for harassing him. 

That is all that has happened so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: BARCLAYS BANK DELAWARE
State: VA
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of XXXX  we didn't get it XXXX  doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they XXXX  can't confirm my identity XXXX to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-15
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Navient Solutions, LLC.
State: AL
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 noticed on my XXXX credit report that the company called Navient had posted incorrect information about a Grad Plus loan that was supposedly awarded to me in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CBC Companies, Inc.
State: TX
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX, upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Velocity Portfolio Group
State: PA
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:
Thank you for taking the time to review my complaint. In XX/XX/2016 I was granted a car loan with assistance from my mother. With my mother as co-signer, the vehicle had high payment with a high-interest rate. Understanding the laws of unfair sales practices, a co-signer shouldn't be a liability. When there's a transfer of risk, according to laws, being placed in a financial burden is illegal. Being young at the time, the first vehicle, payments were made according to term agreement. Within the second year of the contract, the vehicle experienced a major decline with issues. Vehicle costs increased within the second year of the contract. Unable to maintain both costs of maintaining the vehicle ; our decision was to return the risk which was placed with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: PENTAGON FEDERAL CREDIT UNION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The Pentagon Federal Credit Union obtained a copy of my credit repot without my consent. 

When I called PENFED to find out what kind of assistance was being offered for federal employees your employee XXXX at XXXX XXXX told me that you were offering a furlough loan with 0 % APR and no credit check that is why I requested the Furlough Loan on the below email. 

I never authorized PENFED to obtain a copy of my credit. The only reason I requested the loan was based on the information that XXXX provided. Otherwise I would have used XXXX or XXXX XXXX XXXX XXXX XXXX. I told XXXX that my direct deposit was going to XXXX not penfed and she told me that I would need to provide a copy of my XXXX. 

Also XXXX told me that my wife would qualify for the loan even though she was not a member yet. 

My wife submitted an application for membership and opened an account because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: DFC Global Corp.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am a single mom with a mortgage payment, car note and tons of bills with only one source of income.I have gotten online payday loans which causes My account to be overdraft weekly and I can not keep up with anything .It is killing me I don't have government assistance at all.The only debt that gets paid are the payday loans because they constantly overdraft my account and I am always in the hole.Which forces me to get another one of this crazy loans to stop the overdraft fees that occurs. Help!!!! what do I do at this point when I am just working to constantly be in the negative status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief