BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX  XXXX XXXX mortgage is reporting wrong information in all of the credit report I have dispute the balance on my credit report that caused my scores went down I am not late but XXXX  XXXX  XXXX mortgage have increased my principal after weeks later so many complaints so many calls the problems still there.I paid my mortgage every month I dont miss payment so why my principal increased from {$79000.00} in my statement to {$81000.00} on my credit report when I disputed it why all three credits bureau told me to contact XXXX  XXXX XXXX mortgage I did for weeks they still not fixed the problem because the balance is wrong finally XXXX  XXXX XXXX mortgage told me I have a short in my escrow that may be the reason I the increased in my principal.I never anything like this my escrow monthly payment is {$520.00} and my principal monthly payment is {$220.00} a month and my escrow balance is XXXX so how they went put more than the balance said and also why put it in my principal and when question them they gave all kinds of stories but still not fixing my credit report problems with the wrong balance? 
I want XXXX  XXXX XXXX to fix it and report the real balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Last onto l, Navy Federal Credit Union seized funds out of my account in the amounts of XXXX from savings, and XXXX from checking. I had no idea I had the debt because in speaking with themselves day after day, I was told there was a cease and desist by an attorney XXXX XXXX. XXXX is my VA attorney. He has no other rights to do anything with my accounts. I was also informed that I called them and told them to cease. I never would have done that as I know there would have been no settlement letter sent. My attorney also changed my address to his about XX/XX/2016. I asked Navy Fed for the returned mail as he moved and thats when I found out about this cease and desist document that I never permitted. I want my money back because I never got any letters from them. I should have the right to a settlement that I can afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened an account with XXXX  in my name. They owe over XXXX dollars for non-payment and not returning the equipment. I spoke with Sunrise Credit Service, a collection agency, and was told that the account was opened in XXXX. I also spoke with XXXX  and is in the process of resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a horrible experience with Discover Card. I have been with Discover Card for almost 20 years. Have never been late with a payment. I had a scammer put several hundred dollars worth of expense on my card. I called Discover Card for some help. Again, Discover Card did not have my back. This has happened before and Discover Card did not help me. I sent in two online payments like I normally do and twice the payments went through online but Discover Card told me that they did not accept the payments. {$750.00} worth of payments did not get accepted by Discover Card. When I called Discover Card they told me that I have now gone to 'Collections ''. Even though I sent in my payments online and online I was told that the payment went through, Discover Card told me that they did not accept the payments in a phone call that I made to Discover Card. I then asked for a payoff balance and told them to give me the exact amount as I did not want to receive another bill from them later saying that I still owed money to them. I was given the amount of my account which was in the {$9000.00} range. I immediately sent in the payment online and the payment was accepted online. I now just received a bill from Discover Card saying that I still owe {$110.00} interest payment. I payed the amount given immediately after it was given. Why do I still owe interest? Discover Card has been stealing money from me for years and they liked it so much that they do not want the ride to end. Please check into this as I intend to continue to complain until something gets done to help me look into how Discover Card has been ripping me off for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
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:
i recently found 7 accounts are not belong to me and was fraudulent listed on my credit reports with EXPERIAN, XXXX & XXXX the accounts listed as : ( ( 1- ) ) Account Name : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 3- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 4- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 5- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 6- ) ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 7- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/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
Consumer complaint received 2021-08-17
Company: J. Ritter Law P.C.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Threatened me over the phone to damage my credit. Please see attached documents. This corporation received the original notarized letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CMG MORTGAGE, INC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am contacting the CFPB out of desperation in dealing with my mortgage servicing company, CMG Financial. I had experienced a hardship and was approved XX/XX/XXXX for an FHA HAMP three month trial modification from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in the amount of {$3000.00}. The trial agreement clearly shows the amount for escrow advance/set up is {$49000.00}. I even have a payoff statement dated XX/XX/XXXX showing the escrow advance {$44000.00}. I completed the trial payments early and the permanent agreement was issued XX/XX/XXXX with a new monthly principal, interest, taxes and insurance payment of {$3000.00} starting XX/XX/XXXX. I called to set up the XX/XX/XXXX payment and they told me they do not see the loan was modified but after looking through notes, they accepted my payment and stated it takes time for the system to be updated. I called every month to make, y payment and had to go through the same explanation. They would accept my payment but tell me my payment was {$3900.00} not {$3000.00} because the modification was still being updated in the system. 
I received the countersigned modification agreement XX/XX/XXXX so something is clearly wrong. As of last week, I received a notice my loan was being referred to foreclosure and my XX/XX/XXXX payment was returned due to being forwarded to foreclosure. The total amount owed they are stating as of today {$9300.00}. 
My regular escrow payment is {$1500.00} which I have paid consecutively since the 1st day of the trial XX/XX/XXXX through XX/XX/XXXX XXXX XX/XX/XXXX payment was returned ) which totals {$12000.00} plus the {$48000.00} paid to escrow according to the permanent modification agreement so how is there a {$9300.00} shortage payment resulting in a shortage payment of {$900.00} being added to my regular monthly payment day 1 after my loan was modified? This is just wrong. I have spent countless hours on the phone with the mortgage servicing department, escrow department, customer service department all of which transfer me around and wont help me straighten this out. Now, my loan was forwarded to foreclosure all over again. Its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I learned that Chase is having mandatory arbitration rules in their agreements. Anyone who wants to opt out of this will have to mail in a letter stating all personal information including account numbers. Why mail in a letter? People are more subject to fraud when they mail in letters. Why do you have to have mandatory arbitration? Why do you have to take rights from the customers. When you have mandatory arbitration the customers have little protection against fraud. With this complaint I am informing Chase I am opting out of the mandatory arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-26
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX & XXXX XXXX were completing home repairs on XX/XX/2022. The job was suppose to be completed by XX/XX/2022. The last confirmation of the completion of the project was XX/XX/2022. Simultaneously, he was also working on my parents home. My sister was handling that but because he found out that I was the one who was handling the payments he started talking to me. After a couple of days my sister told me that the plumbing work was incorrect and that the septic tanks weren't delivered as promised. He went missing and wasn't returning our calls. We were suppose to sit down and discuss all of this on XX/XX/2022 with him promising to finish my work that day. However that day has come and gone. I finally spoke with them XX/XX/2022 and they are stating the job was completed and no refund or extra work is due. Which isn't the case. I have text and recorded calls that states the he was coming back to finish. They are returning {$2500.00} to my sister because another XXXX was involved and he doesn't was a claim filed against him so he is paying it back. XXXX & XXXX XXXX state that because I disputed the charge on Paypal he isn't willing to refund or come back. I don't want him back at my home, even if it was an option. Unfortunately the paypal payment was a friends and family payment, which I thought it was still covered under the buyers policy. I also attempted to dispute the XXXX XXXX  payment but they don't even offer that unless it is an unauthorized transaction. Now I have to pay someone else to come out and do what he didn't complete or fixed improperly which is going to cause me more money. He isn't entitled to the entire amount. He is only entitled to {$2500.00}. I definitely don't mind paying for what he did complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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:
On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out that the disputed accounts were still there, These accounts are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX XXXX ) these accounts are not mine and they are reporting on my Experian and XXXX credit report, I am now reaching out the CFPB, because I am just tired of this Bureau, I need these accounts off of my credit 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 2017-09-27
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 am filing this complaint because experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information which can not be verified ''. that I have disputed. Please resolve this manner as soon as possible. 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 2017-09-30
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I borrowed from formally XXXX XXXX now Navient a private student plus loan for {$14000.00} with a XXXX % interest rate in XXXX and graduated in XXXX. Immediately upon completion of school, I began payments. My loan amount when I graduated was at {$23000.00}. I have made on time payments since and my amount owed never really changed but by a few hundred dollars until recently when Navient gave me a {$600.00} credit. The institution marked it as an error on principal payment corrected. However, I find it hard to believe and harder to understand their ledger. I have called and complained multiple times to them since XXXX until present day and asked for their representative to explain and look at the account. They never could explain it and would usually just give me some type of an account credit to shut me up for the time being. I have been paying for XXXX years and I still owe {$20000.00}, and yes, I have been making normal principal and interest payments the whole time. I have thought about hiring an attorney, but I have been so busy trying to make it after college that it has been on my back burner, until now. Recently, I was made aware of the lawsuit against former XXXX XXXX now Navient about this same bad service and robbery. I wanted to start my process to get justice and the credit I deserve for years of payment I have been making and still making.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Mortgage has yet to address the issue that has been Requested. 

Documents not sign by me. 

Its always the run around and nothing to do with the issue that occurred. 

Wells Fargo Mortgage does not deal with the direct issue or have any answer that has any merit to the question/ issue of documents that are not my signature nor did I appear on the document in front of the notary and that is the issue to the Instrument/Deed of Trust I did not personally appeared on XXXX XXXX, 2009 nor did I sign nor was I ever contacted to any corrections agreement nor Limited Power of Attorney There is never no answer to this direct question or why it happen or why Wells Fargo Mortgage ha yet to explain the issue at hand. 

Legally binding contract Personally does not mean some one else signing saying your there and there is no other term to appeared means face to face. 

This is fraud on wells Fargo Mortgage

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 2022-04-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: IL
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 lost my purse at XXXX 3 years ago. I had utility bills opened in my name, credit cards, and even loans. I've been trying by myself to get this stuff off my reports. I need help. I was told y'all could help me. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have fighting to get my problem resolved for the past one year but not gotten anywhere. I have attached the details of the narrative in a chronological order with exhibits to make is easy to follow, therefore I will not repeat it here.

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 2021-12-02
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have an existing HELOC with U.S. Bank for roughly {$170000.00}. Today, I called the bank to discuss a cash-out refinance to consolidate the HELOC and was told by XXXX XXXX XXXX of the XXXX branch XXXX that I was not allowed to apply and that U.S. Bank did not want my business. XXXX XXXX stated the reasons as being because they allege I am charged with a felony ( I am not ) and because I only maintain a {$70.00} balance in my account. I keep very little money in my U.S. Bank account... but that's only because XXXX offers much better terms. U.S. Bank is still making tens of thousands of dollars from me with the closing costs of the HELOC and the $ 560 monthly interest payments made every month. Their refusal to even permit me to APPLY for to refinance a product they sold me is discriminatory and is causing me unnecessary financial harm. I only took out the HELOC on the promise that I could consolidate and refinance. That is fraud in the inducement of contract. They sold me on taking out the HELOC and then refinancing it... now that they have the HELOC they are refusing to allow me to even apply for the refinancing.

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 2021-10-14
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ally financial HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$51000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were Unknown - XXXX and XXXX XXXX XXXX  - XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief