BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
on XXXX XXXX XXXX I made a XXXX sent payment to navient this was suppose to make the loan current but navient took part of the payment and applied it to the principal. So I did not know the loan was sitll late. I payment was XXXX so that is what i paid. So on XX/XX/XXXX I make another payment XXXX and tell the guy this is for loan 1 however, they split the payment with loan 2 and now loan 1 is not current because they did not do what i asked. So today I get ready to make a payment an now I owe over XXXX. They are making extra money off of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
GMC financial failed to send me in writing why I still have a balance on a closed lease contract. The lease was paid in full for the 3 year term and turned by in on time! I have talked to several reps to no avail. They put incorrect information on my credit report which caused my score to drop. I never received any letters saying what the charges were for? Also 3 years later it slapped on my credit report because the debt was sold. This is so wrong and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Westlake Services, LLC
State: SC
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 service civil relief act. Shouldnt have been on my credit report and I want it removed immediatelyz

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 2017-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 purchased a new vehicle with Bank of America being the lien holder of title. I made my 1st payment in XXXX, XXXX I get a statement showing I owed for a payment they accepted I called Bank of America spoke with several customer service reps, Managers until finally I called XXXX XXXX news, who made contact with social media XXXX, contact number of XXXX, extention XXXX. I explained to XXXX since the beginning of XXXX XXXX I have spoken to 3 managers until XXXX was notified, I informed him I faxed proof of 3 payments of XXXX and I never missed a payment and Bank of America has placed a DELINQUENT ACCOUNT to my credit score, with all three credit Bureau 's. XXXX advised he would investigate the issue and I explained in detail who I spoke to, how many times and was informed it was an error on their part. However never corrected my credit score. 
XXXX XXXX, XXXX I received a letter from Bank of America stating the error was corrected and where sorry for any inconvience the caused. Friday XXXX XXXX XXXX XXXX from Bank of America called advising they will have my XXXX XXXX corrected remove any derogatory comments and will contact me to follow up on Thursday XXXX XXXX, XXXX. 

Well I checked my credit score and nothing was changed, still showing DELINQUENT on all 3 credit Bureau 's. I did file a complaint with XXXX case # XXXX. 

I will attach the letter and documents showing Bank of America was in error and has done nothing but make false promises. 

I am requesting Bank of America to correct my credit score to the way it was prior to there era of having computer issues and causing undue stress and causing problems to have a chance of refinance our mortgage, I request a full written apology and to act upon this forthwith Since XXXX XXXX, I have spoken to customer service rep XXXX, XXXX, and XXXX, who removed the XXXX dollar late fees, along with speaking with Manager XXXX XXXX, Manager XXXX, and given a reference number XXXX, promising they would correct my account since they caused this issue ruining my credit history and on XXXX XXXX, XXXX I spoke with a XXXX XXXX who promised he would have a Manager contact me, which never occurred. In addition I already received a letter of admitting the era with no one having any knowledge. 

I spent 2 to 3 days a week trying to get this resolved since beginning of XXXX being on hold, speaking to numerous employee 's, Mangers, etc, with no positive results but a letter and false promises

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 2022-04-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX failed to send me in writing why I still have a balance on a closed lease contract. The lease was paid in full for the 3 year term and turned by in on time! I have talked to several reps to no avail. They put incorrect information on my credit report which caused my score to drop. I never received any letters saying what the charges were for? Also 3 years later it slapped on my credit report because the debt was sold. This is so wrong and unfair.

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 2022-04-03
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I rec 'd a call from XXXX XXXX of Truist Bank at XXXX on XX/XX/XXXX. She wanted to argue about my recent payment. Frankly, if we are arguing about me making a payment, I feel sorry for anyone that actually needs Truist Bank. They should be restricted in all of their ability to lend money. 

On XX/XX/XXXX, I submitted 2 payments to Truist as their website will only allow a max payment of {$99000.00}. I entered this payment followed by a payment of {$12000.00} electronically through by Truist Checking account. At that time, I owed Truist the following on my account : {$110000.00} PLUS interest from XXXX at {$15.00} per day ( {$270.00} ). This totals {$110000.00}. My expectation was that my XX/XX/XXXX payment would more than cover the {$220.00} that I owed Truist. They would adjust the dollars and refund me the difference OR communicate with me as a client. Instead, they declined the first payment of {$99000.00}. This is incorrect. 

There are 3 things I would like to point out regarding the mortgage contract : 1 ) There is no prepayment penalty, 2 ) Payments are made in arrears, 3 ) they are simple interest loans ( billed monthly but interest accrues daily ).

At this point, my second payment of {$99000.00} appears to be suspended. I do not know what will happen XXXX  but I certainly do not want to hear from XXXX again. Her call was ridiculous.

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 2017-10-25
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit i noticed a collection account on my file from Grant mercantile agency claiming i owed for a medical debt from XXXX California XXXX XXXX. 
I have always had medical insurance so i do n't know how this could have been forwarded to them for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1. I am baffled that Comenity Bank has been unwilling to delete a fraudulent account that is currently showing on my credit report.

2. I provided proof that I filed a report with FTC and made it abundantly clear that I did not open the referenced account.

3. Comenity Bank is basically telling me that my Identity Theft claim is unfounded as per an investigation apparently carried out by their Fraud Department.

4. I dismiss the preceding paragraph in its entirety and would like to make it clear to CFPB, but not limited to, that Comenity Bank actions of reporting an account on my credit report that I did not open per se, is a clear violation of the FCRA and other applicable statutes. 

5. To avert litigation, I am taking reasonable steps to have Comenity Bank delete this inaccurate and harmful and damaging trade line from my credit.

6. It matters not to me that Comenity sold an alleged debt to a 3rd party. It has nothing to do with me being a victim of Idenity theft. Instead of resolving this issue, the bank has employed stall tactics to sway me from fighting for my right to an accurate credit report.

7. They have failed to provide evidence of their investigation ; failed to provide evidence of the application, contractual agreement and/or ID that I allegedly used to open the material account.

8. I will not be swayed from having this matter resolved. A subpoena of such information and other records might be forthcoming if this company does not cease from its unfair business practice and discriminatory stance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore Loan took over servicing of my mortgage for XXXX XXXX XXXX discriminated against me. They refused to honor previous modifications they refused to verify the debt claiming I did not owe it because it was discharged in bankruptcy, Affirmations verifying the debt were inaccurate according to their own filed documents. When I called about the modifications that they were supposed to honor they claimed they were not valid that payments were not received despite the fact the ledger from the previous servicer listed them. They claimed they needed my copies of payments which I sent only to have their employee tell me they did not have to honor it and that if I wanted to keep my home I should learn to pay my bills. 
They have recorded the XXXX payments for the first modification and XXXX payments for the XXXX modification and a letter stating an agreement for a modification from XXXX. The modification payments were never applied to the loan and when a ledger was requested from Rushmore they sent XXXX so small no one could read it they only sent XXXX I could read after they filed for judgment. They have purposely continually discriminated against me despite the fact that I am more than able to make payments XXXXXXXX XXXX AND RUSHMORE DISCRIMINATE AGAINST BORROWERS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Fay Servicing, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Requested payoff on XXXX/XXXX/XXXX for the sale of a property due to close XXXX/XXXX/XXXX. Sent borrowers authorization, which is a Personal Representative for seller who is XXXX. The personal representative also completed forms for the payoff, ( all will be attached ). When our processor followed up all on XXXX, XXXX and XXXX/XXXX/XXXX for payoff, each time was told they have never received our authorization to speak with them, each time was re-sent. When we would call to confirm if they received, was always told we can not talk to you on this account, as we have not received third party authorization. The servicing company, Fay Servicing, has been holding us up and stopping us from getting property closed. When we contacted the representative today, XXXX was told now the account is being audited, and they can not tell us when we will receive payoff. Contact for Fay Servicing is XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my car and two months later I still didn't receive my title. They claimed to sent it about a month ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I lost our house in XX/XX/2021, and dealing with our mortgage company, Pennymac, has been a nightmare since day 1. It took them several months to release funds they received from our insurance company to our contractor so he could start rebuilding. We didn't start rebuilding until the end of XX/XX/2021. That's 7 months worth of building time we lost because of the mortgage company. And during that time, the cost of materials has increased an average of XXXX %, which then makes our insurance company hesitant to release additional funds to the mortgage company because it's over and above their estimate, which was done in XX/XX/2021. While we are doing some upgrades to the house, so our XXXX generation family can be more comfortable than we were before we lost our home, we are prepared to pay for those out of pocket. However due to Pennymac delaying the release of the funds, we have had to pay our contractor over {$60000.00} of our own money to allow them to continue building up to where they are now. Pennymac has finally released an additional $ XXXX, but this will only get the rough electric and rough HVAC installed. Once that is done, we are at a standstill until more funds are released. And our insurance company only covers living expenses for 12 months from the date of the incident, so we need to pay rent from then until our house is livable again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: Consolidated Recovery Group, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX have a serious complaint to post with the Consumer Financial Protection Bureau ( CFPB ). A debt collection agency known as Consolidated Recovery Group has posted a collection against my personal credit reports, when all of the charges were posted with XXXX XXXX XXXX through a corporation known as XXXX XXXX XXXX. I have no ownership with this corporation, I am just the bookkeeper/secretary. However, there was never a personal responsibility agreement with XXXX XXXX XXXX from XXXX XXXX. The only agreement was with XXXX XXXX XXXX. In addition, my understanding was that several payments were made from a former client with multiple stolen credit cards. It took a great deal of time for these cards to be reversed from stolen identity theft. That is not a responsibility from XXXX XXXX, an individual with a bookkeeping position. Consolidated Recovery Group has by posting a collection to a non-responsibility individual, working for a Massachusetts Corporation. They are in serious violation of my rights under the Fair Debt Collection Practices Act. By connecting this debt to me personally, they are essentially developing a phantom debt to me personally, whereas the stolen use of credit is a federal crime and should be filed with the Federal Bureau of Investigation. Consolidated Recovery Group is in violation of their subscriber agreement with all three major credit bureaus, XXXX XXXX  and XXXX XXXX Respectively. Accordingly, I demand that this collection that shows an original balance of {$54000.00}, now shown as {$100000.00} be deleted immediately. This collection process is highly illegal and must be discarded, purged from all of my credit reports, and returned from Consolidated Recovery Group to XXXX XXXX XXXX. This debt posting is causing severe damage to my overall creditworthiness. DELETE THIS ACCOUNT PERMANENTLY!!! 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates, LLC has a debt for {$990.00}. I wanted to settle and I offered a settlement for {$400.00} and they agreed. When I ask the Manager XXXX XXXX to draw up a legal letter of settlement agreement he said he couldn't because the company do have a way to do that. That's false, as it is a legal document that says, that the debt will be paid and full, pulled from my credit report and they can not come after me for any future debt pertaining to that specific debt. 

Mr . XXXX  's document he sent suggested, once I pay, I would be on a payment plan until the d {$990.00} is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 was victim of identity theft and there are unauthorized hard inquiries on my TransUnion Credit Report :XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX I was victim of identity theft and there are unauthorized hard inquiry on my XXXX Credit Report : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-03
Company: CAINE & WEINER COMPANY, 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: Account information incorrect

Complaint:
On my credit report, XXXX, XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX, XXXX, XXXX XXXX. 

My account was charged off for {$12000.00}, but my credit report is stating the full amount {$20000.00}. I opened the account on XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After a couple months of getting things in order on my credit reports, I applied for a discover secured card on XX/XX/2020 for which i was approved! Great right? Wrong! After Discover approved my application, I received a link for to have my identify verified through XX/XX/XXXX. During this time i had no access to the online platform or anything. After I sent my information to verify my identity i was told my account would be closed. WHAT! Thats absurd! Theyve already placed an inquiry on my credit report, which in return i lost a few points. They also already reported the account on my credit report which also caused my credit age to decrease.. which also caused a loss in points. This is ridiculous! So i have to deal with a new closed account on my credit, a new inquiry and i have 2 wait 2 whole months just receive my deposit back?! I didnt take that long for them to withdraw the deposit, so it shouldnt take that long to release it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC IDENTITY THEFT REPORT Attached Equifax is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 

I have a Fradulent Account on my Credit Report that must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

EQUIFAX - Fraudulent ACCOUNTS below XXXX XXXX XXXX XXXX ( ORIGINAL XXXX XXXX XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Columbia Debt Recovery made false statements in response to XXXX complaint. They responded CONSUMER CONFIRMED HE REVEICED OUR PROOF OF DEBT CONSISTING OF THEIR SODA AND LEASE, DISAGREEING WITH IT DOES NOT MEAN IT IS NOT OWED. CONSUMER INFO ALREADY PUT ON CEASE AND DESIST The company has falsely stated that proof of debt was supplied. The information they supplied does not provide proof of debt. I have asked for satisfactory proof of debt but they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a customer of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in 2018. In XXXX of 2018, my account information was changed without my permission. I notified XXXX XXXX XXXX  immediately but they were unable to verify my identity over the phone because someone accessed my account without permission and changed my address, phone number and other info. I had to show identification at a store to get assistance. I requested a passcode be placed on my account to prevent my information from being accessed without my permission, however, that did stop the numerous changes made to my account without my permission. I cancelled my service, paid my final bill and returned all equipment. XXXX XXXX XXXX has sold my account to numerous collection agencies even though I have provided copies of paid in full receipts to them.

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