BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
HELLO, RE ; CARRINGTON MORTGAGE - LOAN # XXXXI AM SEEKING YOUR HELP DUE TO THE FACT THAT IT IS OVER 3 YEARS TRYING TO GET HELP TO MODIFY MY MORTGAGE IN ORDER FOR ME TO AVOID FORECLOSURE. IN XX/XX/XXXX I WAS PLACED UNDER REVIEW FOR THE FHA HAMP PROGRAM, IT TOOK 1.5 YEARS TO FINALLY GET APPROVED. AFTER I WAS SET ON A 3 MONTH TRIAL PAYMENT OF A REDUCED MMONTHLY PAYMENT. MY LOAN WAS SOLD TO CARRINGTON MORTGAGE, NOW AS OF XX/XX/XXXX CARRINGTON MORTGAGE REFUSE TO CONTINUE HONOR THE PREVIOUS LOAN MODIFICATION AGREEMENT AND THEY MADE ME RE APPLY ALL OVER AGAIN. 

AFTER 10 MONTHS UNDER REVIEW REQUESTING FOR THE SAME DOCUMENTS OVER AND OVER AGAIN, I FINALLY GOT ASSIGNED TO A NEGOTIATOR. NOW THE CURRENT NEGOTIATOR TOLD ME THAT IT IS NOT ON THE BEST INTEREST OF THE INVESTOR TO HELP ME KEEP MY HOME AND BECAUSE I AM CURRENTLY SEPARATED THE INVESTOR HAS THE RIGHT TO REFUSE TO MODIFY MY LOAN. 

PLEASE HELP SINCE MY LOAN WAS PREVIOUSLY APPROVED FOR A TRIAL PAYMENT UNDER A GOVERNMENT LOAN MODIFICATION AND IT IS NOT FAIR THAT BECAUSE CARRINGTON DOESNT LIKE MY HARDSHIP I WILL HAVE LOOSE MY PROPERTY. 

PLEASE HELP, MY FAMILY AND I WILL NOT HAVE NO PLACE TO LIVE IF CARRINGTON TAKES AWAY OUR HOME. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX - Banking Center President of XXXX showed unprofessionalism by taking the initiative to say Prosperity bank is not willing to accept customers with issues like XXXX. As an XXXX myself he decided to laugh in my place and say ; listen to this guy ' What options do I have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington mortgage has bought my loan from XXXX XXXX XXXX, since they have, my account has been mixed up with another account. My payments have been misapplied and messed up since. Now they are trying to foreclose on my home and will not fix the solution so we can continue my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Case # XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX I filed my first complaint on XXXX XXXX, 2016 Response was received with letter dated XXXX XXXX, 2016 What happened from then? 

In XXXX XXXX, 2016 we had a 6 hour mediation at ours attorney 's office in XXXX XXXX, Florida. After a long negotiation of the key terms of Carrington 's last Trial Modification Agreement dated XXXX/XXXX/16, we concluded with little progress. Carrington 's attorney recommended that we contact their internal office FMR to seek some assistance and direction. Advise that our attorney followed with a few telephone conversations. 
A few weeks ago, Carrington 's attorney contacted us with the question, - " Are you in a position to come up with a Good Faith PAyment of {$120000.00}? '' We viewed this communication as a positive and agreed to it. A few days ago we received their latest offer for a Trial Modification Agreement dated XXXX/XXXX/16. 
With a sense of disbelieve we notice that the new offer had the following changes from the terms negotiated so hard during the face to face mediation : - The XXXX trial monthly payments went up from {$8700.00} to {$9400.00} - The Principal Balance went up from {>= $1,000,000} to {>= $1,000,000} Yes, the Good Faith Payment was {$120000.00} as per recent emails. 

Incredibly insulting with total lack of respect following a sincere and honest mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a FTC report on XX/XX/2021 to get the account removed. All the other accounts addressed in my report were removed, but this auto loan with Credit Acceptance Corp stayed on.

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 2021-08-02
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit and police report to Equifax in order to have fraudulent accounts block from my report in accordance with the FCRA 605B. My request was clear but instead of following my request, they decided to ignore it and file a dispute. Please do not dispute. Block this item within 4 days as required by FCRA Attached are mail documents

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: DISCOVER BANK
State: IN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Discover continues to withdraw funds from my personal checking account, making payments on a Discover account that I 've reported multiple transactions as fraudulent. In XXXX XXXX, I had a credit of at least {$20.00} on this Discover Card account. A XXXX woman that still lives with me is a predatory individual and professes to love me -- I 'm XXXX XXXX XXXX -- I 've been told this is a " sweetheart scam ''. This individual made all the purchases after XXXX on this account without my consent. I did not make these transactions with this Discover card. I 'm attaching the XXXX Police Department 's reports. I first reported this financial elder abuse to the XXXX Police Department on XXXX XXXX, XXXX and subsequently XXXX XXXX, XXXX. I 've reported the theft to Discover as well but the representative badgered me over the phone for my new XXXX personal checking account information so minimum payments would continue to be paid. I closed my original XXXX account when I learned of the fraud. I am currently going through the court system to remove the woman from my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: DISCOVER BANK
State: OK
Product: Credit card
Issue: Billing disputes

Complaint:
I received at unverified email from Discover concerning a past due amount on my account of approximately {$37.00}. I 've never had a missed payment with Discover, so immediately called the number on the email. The next 20 minute were the most invasive, pressure filled customer service encounter I 've ever experienced. The operator proceeded to tell me that I had only paid {$30.00} of a {$67.00} bill and I had been accessed a late fee of {$27.00} and interest penalty ; however, if I authorized her to get into my XXXX XXXX XXXX checking account she could take my money. In shock about her knowing my bank account number and threatening to access the account, I explained that I was driving and preferred to wait until I returned home to review my statement, payment history, and to make sure this was n't a scam. Immediately, the representative asked why I would doubt she was legit, because I called her? She stated that unless I gave her permission to access my XXXX XXXX XXXX account or made an phone payment, I would be penalized. Again, I explained I did n't feel comfortable giving her access to my banking account. At this point, I felt very uncomfortable and bullied. Remember ... I 've never missed a payment. Why was I being bullied by a collector for a {$37.00} payment 10 days past due? She then insisted on taking my cash rewards of {$38.00}. When I refused she again applied undo pressure. I refused all of her offers and her tone changed from aggressive to anger. I let the call with, I 'll contact customer service when I get home. I made a mistake on the payment and immediately called the number listed on my statement. The represenrative seemed to be sympathetic to my situation at first, but then immediately went into collection mode with the same barrage of questions, including having access to my checking account. She used my rewards to bring the account current but refused to reverse any charges because I would n't pay next months bill in advance. She asked me a lot of questions almost like an interrogation. At this point, I had had it ; refused to answer any more questions and explains that I had taken all I was going to take in one day. It was the most brutal customer service experience I can ever remember encountering. I am a XXXX. In my 21 years in this position and XXXX I do n't know that I have ever experienced anything like my two experiences today with Discover Card. As a long time loyal customer, I will sever ties with Discover Card, and will communicate with the CEO my incredible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: MI
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 have requested in investigation into the inaccurate information being reported on my credit report from a creditor XXXX XXXX. I submitted a request to have the information validated and verified to the Experian and XXXX XX/XX/XXXX and XX/XX/XXXX. Both Experian and XXXX failed to properly investigate and provide me with information regarding their findings. 

XXXX is reporting varying information to both creditors. ( Please see attached documentation of the information they have provided ) they are reporting date account opened to be XX/XX/XXXX with XXXX and XX/XX/XXXX with Experian. Although I have requested this information be investigated on numerous occasions the status of the last date updated with Experian was XX/XX/XXXX. XXXX failed to investigate an or provide me with any information regarding their investigation or findings, yet updated my account on XX/XX/XXXX As of now, I have not received a reply from either data furnisher regarding acknowledgment that an investigation has begun. However, I did manage to pull my credit report and found that the accounts listed above, have not been investigated. Experian is showing an account status of XXXX I requested a verification of debt from the original creditor on XX/XX/XXXX requesting that they substantiate the validity of the debt under my right to Fair Debt Practices act to which they have failed to reply with any information to verify the debt owed to 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
Consumer complaint received 2016-07-20
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I recently received a copy of my XXXX and XXXX credit report. My credit has been compromised in which I had a fraudulent account opened under my name and credit has been compromised. The credit report shows a XXXX credit inquiry by your company of which I did n't authorize. I have disputed multiple times and it is not being removed, according to the credit bureaus it keeps getting verified. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to find a rental apartment. I have applied to numerous apartments and credit and due to the credit inquiries keep getting denied. If I ca n't get an apartment due to this I would be homeless with my XXXX year old daughter. They keep saying I applied however I had my identity comprised in which I had a fraudulent XXXX account under my name which was verified and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Although the debit was not justified I had to pay as it was ruining my credit score. I fully paid on XXXX and it is still showing as not paid on my credit records with XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This account is paid off and the rep stated that it'll be updated no later than the XX/XX/XXXX. I just checked my credit report and it shows that this account is still owing {$1000.00}. Please look at the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am behind in my car payment. I received a call from the company today. 
The date is XXXX/XXXX/16 and it 's a Sunday. I was told in the voice mail I received at XXXX to call them today until XXXX to discuss the issue. 
I called the number they provided but no one is there to take my call. 
They are closed on weekends, but had someone call me to tell me to call today, which makes no sense! I had attempted to call them on XXXX/XXXX/16 at approximately XXXX but received the same message, that no one was there to take my call. How can I resolve the issue if no one is there to take my call?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I mailed Credit Bureaus a letter disputing inaccurate information on my credit report over a months ago and in response I received a letter from Bureaus stating the ID I submitted was insufficient to verify my address and identity.

The identification I submitted is sufficient according to Bureaus guidelines and I demand that
Bureau examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope.
The disputed items must be investigated. Item i'm talking about is a result of identity theft.

1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has been reporting to the credit agencies that we have missedmortgage payments and are delinquent. The reporting of this information by Wells Fargo is an error and is false. As victims of XXXX XXXX, we were told by Wells Fargo that we were eligible for a forbearance on our mortgage payment. We were informed that the excused mortgage payments would be added onto the end of the loan. After several months of the forbearance, we started to make our usual monthly payment. Shortly thereafter, we received notification from Wells Fargo that the entire balance for the months of the forbearance were due in full. We continued to make our monthly mortgage payment, however, the payment was being applied to the first month of the forbearance, thereby, making it appear that we were continually missing payments. 

When we called, we were told by Wells Fargo that the information we received regarding the repayment of the forbearance was incorrect. Wells Fargo stated that this was the result of inaccurate and misinformation being administered by customer service. In an effort to administer aid to XXXX victims as quickly as possible, customer service was not fully knowledgeable of what procedures regarding forbearances were permitted and how repayment was to be handled. 

For the months we were given the forbearance by Wells Fargo the funds were used to repair the residence. This was necessary because FEMA did not provide any funding for over XXXX months. When we received the final payment from FEMA and paid off the contractors, the funds remaining were used to catch up with the payments missed as a result of the forbearance. By this time, our credit report indicated that we had missed eleven mortgage payments. We have made numerous phone calls and even have written a letter to the office of the CEO, to try to resolve this error to no avail. It can be verified that prior to the authorized forbearance by Wells Fargo, we never missed a payment nor were we ever over XXXX days late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: MS
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 have been disputing this account since XX/XX/2021 and each time this credit bureau has said this account is 'verified '. I then disputed directly with the company and they were not able to provide me with any documentation for the account listed on my credit reports. If they can not verify this account with me, there is no way they could have verified this with the credit bureau. I'm convinced no true investigation occurred and demand a deletion ASAP. 

Please DO NOT mark this complaint as a dispute. IT'S NOT. It is a complaint with a demand for deletion based on an account not being able to be verified as 100 % accurate, complete, and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
We have a XXXX XXXX car lease which has been returned and paid off on XXXX XXXX. But all 3 credit report bureau including Experian keep showing the account is open and there is left over amount of {$120.00}. We called XXXX multiple times, every time they say the account has been closed and the info has been reported to credit bureau, but Experian keep saying the the account is still open and refuse to update the credit report. Even when we submit written notice from XXXX confirming the account has been closed and paid off.

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 2020-12-15
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: Their investigation did not fix an error on your report

Complaint:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home loans charged excessive fees without an explanation on the nature of the charges. Caliber Home Loans charged more fees on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 after they received the pay off {$770000.00}, .I closed escrow on XXXX/XXXX/2016. 
Caliber Home Loans did not sent any explanation, receipt, invoice or proof of payment to persons or institutions. 
It seems that Caliber Home Loans can charge whatever in a spreadsheet ( all kind of numbers ) and nobody in customer service can explain what those charges are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Called Capital one on XX/XX/XXXXto inquire about a late payment reported without my knowledge or consent back in XX/XX/XXXX. I've just recently became aware that I was an authorized user for my mothers account. Mother was two months past due, instead of calling both people who are accredited to the account they only notified or tried to reach my mother. Reported me as being two months late without any notification. Would like these charges removed and would like to be notified in the future if the balance is past due so I can avoid this from happening again. Thank you so much in advance

Company response to consumer: Closed with explanation