BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-23
Company: Sortis Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern, I am filing this complaint against ClearSpring Loan Services because they are alleging they are the servicer of a second mortgage loan I took out in XXXX with XXXX Bank, NA and was charged off in XXXX. For over seven years I heard nothing about this second mortgage because I was informed it was charged off. Clearspring Loan Services just came out of the blue and are trying to foreclose on my property on a deed of trust that has been extinguished. Not only has the deed of trust been extinguished by way of a charge off, on XXXX XXXX, XXXX I mailed them a letter of rescission. Upon learning that my rescission rights were still available under this loan due to the fact that my loan was never consummated because my true lender or the true source of funds were never revealed to me, I mailed Clearspring a letter of rescission. Under the Federal Truth In Lending Act, the deed of trust and promissory note are canceled, made null and void by operation of law. If Clearspring wanted to challenge my letter of rescission they should have filed a declaratory judgment against me within 20 days of receipt of the letter of rescission. Clearspring received my letter of rescission on XXXX XXXX, XXXX. Clearspring and/or the actual creditor this loan did not file a lawsuit against me. Furthermore, Clearspring have not taken any of the mandatory actions required under the Federal Truth In Lending Act. Instead of taking steps to provide me a release or reconveyance of the deed of trust, they are continuing their actions to try and foreclose on my property. The next scheduled foreclosure date is set for Tuesday, XXXX XXXX, XXXX. Clearspring is not only violating the Federal Truth In Lending Act, they are also violating the Rosenthal Act which is California Civil Code section XXXX. They are violating this Act by threatening to take actions not permitted by law, which includes attempting to foreclose on a void security interest, falsely stating the amount of a debt owed, and increasing the amount of a debt by including amounts that are not permitted by law or contract, and using unfair and unconscionable means in an attempt to collect a debt. I believe it was necessary for me to file this complaint because it appears Clearspring believes it can violate these laws without any consequences of their actions. I am seeking the assistance of the Consumer Financial Bureau to assist me in forcing Clearspring to abide by the law. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: American Coradius International LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ACI - American Coradius International LLC contacted me with a request for full payment for an amount due on my XXXX account. I closed the XXXX account and have made regular payments to XXXX. The account is not behind and is in paid each and every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
So I applied for a {$2600.00} loan XX/XX/2014. The 1st payment of {$170.00} came out of my Checking account and $ 294 monthly following that. I suffered insufficient funds in my Bank account for 8 months which has caused tremendous financial stress and strain to maintain other bills that come during the XXXX of each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This information is incorrect pleas remove it asap DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years 2. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO ( R ) Credit Score. Your credit report shows recent missed and/or late payments with creditors.

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 2016-09-10
Company: AES/PHEAA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I submitted a complaint in XXXX XXXX, case # XXXX after 6 months of unsuccessfully trying to get a clear answer from FedLoan on a repayment issue. XXXX received a response on my behalf at the end of XXXX XXXX. I was not able to access the response online and requested a paper copy. After considering the details provided and researching my own documents, I wanted to dispute the response provided by FedLoan but I have not been able to find a way of doing this online. The aspect that I want clarified is the disparity between the figures FedLoan presented in arguing the case and the figures presented in my original loan repayment agreement, supported by 12 months of direct debits from my bank account. The FedLoan response claims that my repayment in year 1 ( XXXX ) was {$350.00} per month, but their document to me and my bank documents show that the amount was actually {$240.00}. The difference in these baseline figures is what is getting in the way of me understanding all the other calculations made. It suggests that I am not on the repayment plan that FedLoan says I am on - and on which repayment calculations are based. Significantly, I made my decision to consolidate with FedLoan based on the lower figure given to me, not the higher figure stated in the recent dispute. 
As a result of the much increased payments - for which I had not budgeted - I cashed in a small pension to help make the payments which had become difficult because I had to help my XXXX child with her school fees ( without adding to the consolidated loans for my XXXX older children ) and replace household equipment. The impact of that pension cash-in has been to make it look as if my income has increased by {$8000.00} ( even though my actual income increased by only about {$1000.00} ) and so my recalculated payments this year will be even higher. I am in a spiral of increasing poverty with increasing payments and getting further into debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
The XXXX XXXX XXXX applied for several loans on my behalf and simply had me sign my life away. 
I have complained that many of these loans being reported on my credit report are duplicates and need to have this corrected. 
My student loan balance went from $ XXXX to $ XXXX I need assistance in investigating this as I believe that the XXXX XXXX XXXX fraudulently processed loans on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I investigated the negative items on my reports that were not mine and I have not receive any proof of the proper actions taken. My accounts were not properly investigated. Experian failed to abide by Section XXXX, XXXX, and 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 2017-04-26
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX   XXXX ,  XXXX  -  XXXX   XXXX  assigned the balance owed them to Account  XXXX   XXXX  when in  XXXX  it was settled when returning for procedure again. I do not know of Acc ount Resolution Corp. but  I do  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I file a case against XXXX XXXX. After filing my case against them they indicated they will be removing themselves off my credit report. Also, they would be sending a letter to all XXXX CRA to remove them off my credit report. This was done over a month ago. I am wondering why have n't this item has been removed from 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 non-monetary relief
Consumer complaint received 2017-01-03
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There has been an open XXXX XXXX account on all my credit reports every month since XXXX 2008 that they ( XXXX XXXX ) can never seem to find in their system. I want to close it but they are no help at all.

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 2016-12-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am file a complaint against Experian credit report. Because I have submit multiple disputes with this company XXXX for reporting on my credit report. Experian did not do the proper investigation. When I called to what information they had gather to verify the error. I was told by the Experian rep that XXXX stated it was reporting correct. I asked where is the proof and none was giving to me. I did not have XXXX XXXX account. I file a complaint with fcc and XXXX on this XXXX XXXX matter and submit this Experian and they where no help on this issue. I am able provider my supporting document but but Experian and XXXX wont provide me the supporting showing that this is a valid account. I am looking for this to be investigate the right way and remove from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen loans changed recently to phh When I first got this loan at closing they told me no penalties for early payoff and my loan had a cap of 9.99 %. I yearxafter getting my loan they informed me there is a penalty for payoff I opposed and complained. 
No action no answers nothing. 
Now today I get a letter saying that my interest now caps at 14 % This company is out of control. 
How can they change my terms after telling me in person what my terms are?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there are many inquires from each of my credit reports that are not mine XXXX XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX 3 times XXXX 2 times XXXX XXXX services XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect information

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 2016-10-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, Experian, XXXX, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and Experian ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.

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 2017-04-26
Company: Stuart-Lippman and Associates, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the past, I had a debt with  XXXX   XXXX . However, in   XXXX  ,  XXXX   XXXX  issued me a 1099 forgiveness of debt form. I had to count th is 1099 as i ncome and pay taxes on it in my   XXXX   tax return. Despite that, the collection agency that is reporting this account to   XXXX   continues to list that I have an outstanding balance of {$7600.00}. They should be reporting the balance at {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Southern Management Systems Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Was told to fill out paperwork on the internet to lease an apartment for college. I was never approved for the apartment. My father was not approved as a guarantor. I received a collection notice 2 months later for a sublet fee of XXXX dollars. I called the collection agency and they do not have the paperwork to show where I owe a sublet fee, they said my application has approved all over it. The apartment complex says they can not talk to me once it has gone to collections. I was never called and never received a notice which they said they mailed for the amount owed. I was never approved so how or they going to charge me to sublet the apartment? This is fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt in the amount of {$280.00} on my credit report from convergent outsourcing originating from XXXX. When I moved into my new place in XXXX I called XXXX to setup service and they informed me I had this debt and needed to take care of it. We settled for {$180.00} and they informed me the debt was satisfied and they wouldnt report it on my credit anymore. It is still being reported as of now, XX/XX/2021, after repeated calls to both companies.

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 2015-06-11
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX sent me to collections ( Rash Curtis & Associates ). This was a pre bankruptcy petition debt. Rash Curtis & Associates reported this debt unpaid in XX/XX/XXXX. This is a post bankruptcy petition collection action and a violation of my bankruptcy discharge ( XX/XX/XXXX ). I explained this to XXXX XXXX XXXX on at least XXXX occasions and requested that they remove the collection from my credit report/s. They did not. I recently disputed this with XXXX and it appears that they agreed with my explanation and have removed the collection from my credit report. I am concerned that I may have been turned down for employment because of the collections reference on my credit report. I would also like to request to be informed if any information in my file has been used against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Carrington Mortgage reported 2 late payments on my credit report for both XX/XX/2015 and XX/XX/2015. The property was being rented for the previous 4 years and was sold XX/XX/2015 leading me to believe the late payment marked for XX/XX/XXXX was erroneous. I followed the instructions given to me by the mortgage company in resolving this issue but they said they can not give me a phone number for the department that is responsible for resolving this issue. I am now having great difficulty in acquiring a new mortgage for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Bought a {$500.00} US Bank Visa Pre Paid Gift Card from XXXX XXXX XXXX was handed an activation receipt at time of purchase. Called into Card Member Services XXXX to change pin immediately after and was sent to Customer Care agent who told me that the funds were there but the card had not been fully activated even though I had a receipt showing otherwise. Followed their instructions to fax required info to Card Activation department at XXXX. Called back next business day to confirm receipt of fax and information and was told by agent it would be at least XXXX business days before someone worked the issue. Called in again the next business day anyways just to see if the card had been activated and the card balance now showed {$1.00} so I pressed XXXX to speak to agent. Agent advised now there was a charge of {$490.00} on the card which was done at some XXXX somewhere using the card number and pin, which I clearly did n't make. Followed their process now to contact Fraud at XXXX. Faxed in information to XXXX and called to speak to representative in Fraud. Was told I needed to file police report and wait for them to mail affidavit before my case could be reviewed and to expect 3 to 4 months to get my stolen funds back. Asked to speak to manager and was told by agent nobody was available and they were outsourced by US Bank and they could provide me no further help or points of escalation on this issue and I simply needed to follow the process and wait. Found many other issues like this on-line with simple search. Clearly a larger fraud issue and I should n't have to go through this crazy process as a consumer to get my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-11
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I was a XXXX at a XXXX college in XXXX XXXX XXXX named XXXX. I attended XXXX to try and better my education and grow as a professionalI .I called the XXXX ad scheduled an appointment with a rep who I thought was a counselor. Later I found out that these reps get commission for every student they enroll and once we XXXX .which is why they are a predatory school. I advised the rep that I did not finish XXXX and that I wanted to further my career. The rep referred me to a XXXX that was XXXX and a fraud .I completed about XXXX test in XXXX hours and they forwarded my transcripts directly to XXXX stating I now had a XXXX. I then Attended XXXX for 2 long years and XXXX the XXXX program they offer. Once I tried to apply for a job in the XXXX XXXX field such as XXXX, XXXX probation, i was advised that in order to get credit for my XXXX degree and XXXX must be from an XXXX College, which XXXX is not.The degree from XXXX is pretty much useless, no regular college recognizes the credits and no criminal justice job will accept it. So I feel defrauded I wasted 2 years of my life and now I have a big student loan debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation