BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have had identity theft for XXXX yrs. I had a perfect credit score. I have after all these years finally gotten it all off. My score should be in high XXXX. It is in XXXX. With the theft in XXXX. I had police reports, took girl that did it to court, addresses where I lived during theft that did n't match. I do n't think it 's fair that they wo n't put my score where it should be. I pay every bill on time. Everything on my credit report is mine now except most of a student loan. That is under investigation.

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 2016-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have addresses listed on my Trans Union Credit Report I have never resided at. The following addresses do n't belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN 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 2015-12-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello. To start off I applied with my mortgage company, Carrington Mortgage, to pay by automatic payments. Approximately 4 months after sending that application through the mail they finally start taking it out of my checking account. The problem was that I had already paid that month 's payment and they never even sent me any notification that it was going through. I made my payment on XXXX/XXXX/2015. The automatic payment went through on XXXX/XXXX/2015. No big deal though because they can refund me my money right? WRONG! I call and they tell me I have to fax my bank statement in to them so they can send me a check. Ok no big deal except every time I tried to send it ( and I tried a lot, at a lot of different times and days ) it says its busy. I called back and they said I could email the statement to them. I call them back to see if they received it and they say that they cant accept it by email. I ask if I can mail it to them. They say nope it has to be faxed. I tell them the issues I 'm having but they do n't seem to care. I ask to talk to a supervisor or manager and they put me on hold and then hang up on me. I called last night and again today and they give me a different fax number each time, none of which have worked. They tell me there is nothing they can do until they receive that statement. I just want my money back before XXXX and it does n't look like they have any intention of refunding it to me. I do n't know what else to do. Hopefully you can help me out. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Core Advisory Group, LLC
State: TX
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I received a card in the mail with Core Advisory Group 's phone number ( no name ) advertising home loan modification back in XXXX of 2016. spoke with a case manager XXXX gave him all my info. And explained that I have been denied for a mod on my loan in the past. He explained that they work with government agencies to force lenders to do a loan mods. I signed up for a total of {$2400.00} All they did was send out a few emails and and made some phone calls but got no results what so ever. sale on house was temporary stopped only because i filled a complaint with lender 's fraud dept. All my credit card closed due to backruptcy scheme that they practice through a third part.All i got from them was a bunch of broken promises, lot of lies, unaswered and unreturned calls, bad credit, stress and a huge financial lost and I sill lost my house. Core advisory Group had cease and desist order in Texas where i live at the time of signing and should not have collected money up front for these type of service. This company use to go by colleagues in law which has been accused of same practices and closed and as seen on their reconciliation form acknodwlede affiliation.They are a fraud and need to be stopped.Please help me get my money back!

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 monetary relief
Consumer complaint received 2018-05-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased a foreclosed home back is 2005 for XXXX. We could not get a conventional loan so we were able to get a stated income, adjustable rate mortgage. I remember the mortgage company telling me to say I made {$100000.00} a year so we could get approved, but I refused and they were able to secure it without my singing the documents. We opened an ARM with XXXX in 2005 for the principle amount of XXXX. We have made all our payments and our principle balance is still XXXX. that means we have only payed XXXX over the 13 year life of the loan? that's less then {$100.00} a month. We also received notification that our rate was increasing to 9.75 %. We don't understand how our interest rate could go up when the interest rate is at an all time low. We tried to refinance with XXXX mortgage. The underwriters at XXXX told us we didn't show enough income on our current taxes to qualify for a refinance?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I applied for a private student loan with Navient in XXXX. I have taken several breaks, some up to a year long, during my college years. I never got a bill for this loan, infrequently, I would get letters about it being in deferment while I was attending school. Those letters stopped for a few years but in XXXX XXXX I got a bill for payment due on this loan. I had consolidated all of my loans to XXXX so I was a bit confused, I immediately thought someone used my information to get a loan. I actually forgot all about it because I hadnt recieved correspondence in several years. I called them and they said it was my loan and had been in deferment for 7 years. I asked for the signature on the promissory which they did send me and I did confirm it was mine. I called back at this point to try to arrange a more affordable payment, as it was almost {$400.00} a month they wanted, and to discuss the interest of which doubled my original loan amount. I had been out of classes for 2 years at this point so I knew they did something wrong. They refused to lower my payments, I even asked for income based repayment and was told no repeatedly over the next 4 months. I had sold my condo only months before and would have used the proceeds to pay this loan off had I been aware of it. I eventually ended up hiring an attorney who let it go into default because she was n't very organized. Once we got back on track, which took several months of emails and phone calls to her, she asked about payments made, none had been made during the 7 years, however, Navient later claimed I made a {$31.00} payment at some point in the last 4 years on the account. I had no way to look this up since I do n't keep statements from the bank that long, nor did I have that account any longer. It took months for them to produce " evidence '' of this small payment, and I do n't even know what that consisted of because I fired my attorney for dropping the ball so many times. But eventually, after extreme stress in dealing with this matter during my XXXX and then having a XXXX, my fiance paid out a settlement we worked out with the collection attorney. It has never sat right with me because they kept it " in deferment '' so long that it went from {$5000.00} to nearly {$10000.00}. I was dissuaded from filing a complaint by my then attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I went to XXXX university in XXXX ca. I 've been paying my loan for almost 13-15 years and it 's taking a toll on my financial life and I did not gruaduate from XXXX university. When I decided to go back I was told after 5 years I would have to start over again and that was n't an option for me due to the loans would double now I 'm stuck paying this loan. I 've called navient and tried to at least decrease my payment they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had my XXXX XXXX card declined while at a purchase on XXXX at XXXX XXXX XXXX in XXXX XXXX, NJ XXXX I called customer service and was told that I called yesterday ( that would have been XXXX ) and said that I was moving and to send me out a new card. When that happens the active card automatically gets cancelled and that is how I found out that my information had been stolen. XXXX gave me the address that the card was to be sent to and when I put a freeze on my credit report and went thru the information a was the address again along with other addresses and phone numbers that were n't mine. Also the dispute from XXXX XXXX that was supposed to be removed from my report. They sent me a pre-approved credit card application and I tore it up. A few months later I get a bill in the mail for a credit card that I did n't open. I find it strange that XXXX of the reporting credit agencies on my recent account is XXXX. XXXX again, reporting my address from a barber shop address in XXXX. I need some help to find out what is going on, I attached a copy of my report and everything in yellow is not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Trans Union continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Trans Union is in violation of this law.

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 2022-05-19
Company: Experian Information Solutions Inc.
State: TX
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, XXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX, account # XXXX have all violated my rights. 

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 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 2017-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America and their XXXX has caused to be recorded a Trustees Deed of XX/XX/XXXX reference document number XXXX showing Grantees as XXXX XXXX XXXX and XXXX XXXX. 

Dual Tracking is a practice of concurrently having a customer in both loss mitigation and foreclosure processes. In this instance, Bank of America had not yet completed the MHA HAMP modification process before beginning the property separation process as evidenced by the recording of the Notice of Default ( NOD ) on XX/XX/XXXX. On XX/XX/XXXX a Notice of Trustee 's Sale ( NTS ) was recorded and the debt associated with the XX/XX/XXXX Deed of Trust was sold at auction on XX/XX/XXXX for {$320000.00}. 

Bank of America has represented to me multiple times in writing I have been denied access to the Bank of America Borrower 's Home Loan Modification Status iportal since XX/XX/XXXX which is a violation of the National Mortgage Settlement ( NMS ) enforced by the XX/XX/XXXX Consent Judgement Order. 

All previously mentioned resolutions are desired and mandatory.

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 2017-03-13
Company: Navient Solutions, LLC.
State: CO
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 tried to transfer my school loans from Navient to XXXX in XX/XX/XXXX because I was making payments but was unable to get out of just paying interest so it felt like I was n't getting anywhere with the progress of paying off my loans. When I switched over to XXXX I was able to get out of paying off my just my interest and started seeing progress to paying off the principle as well after a couple months. I made payments to XXXX from XX/XX/XXXX - XX/XX/XXXX. Then, I went to make a payment but was told that I did not owe anything and that my loan was paid off. There was no communication to me about what was happening with my school loans. All of a sudden, I started to receive all the money I paid to XXXX for the year back in my bank account. I call both XXXX & Navient to find out an answer to what was going on with the loans but neither institution was able to provide any information. I was told by both institutions that I did not owe either company any money in XX/XX/XXXX. I reached out to Federal Student aid in XX/XX/XXXX to see if they could locate my loans or see what happened but they were not able to find anything out. So after searching for answers and coming up with none, I decided to put my money in a savings account because I knew it would come back one day. Well, that happened in XX/XX/XXXX when Navient contacted me via email about paying off my debt. However, when Navient contacted me I was starting my XXXX and was unable to devote any time or money to the situation. When I looked into the amount of my loan it had increased from {$51000.00} to {$58.00} or $ XXXX in interest. I am looking to gain an explanation to happened to my loans, why I received the payments I made back and why I was not able to stay with XXXX. Also, I do not think its fair that I was charged interest on my loans and I want any interests charges removed from the time I switched to XXXX to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I enter all the information you requested about me, addresses, SSN, birthdate, but the questions you asked about my identity were question ( I think ) about my son who lives in Florida. My son has the same name as me but he 's the the XXXX, ( XXXX ) and I 'm the XXXX. I cant get access to my credit report which I need What should I do to fix this? Or is there something wrong like identity thief?

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 2016-11-04
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received my order and someone else had bought the same item as a gift, so right away returned that item from my order, they would n't exchange or credit it and it was in perfect new condition, they said it was opened but it was NOT opened. I tried repeatedly to work with them but they kept the merchandise I returned ; and still would n't credit the account. I told them I would pay for only what I owe and they sent a bill that was n't up to date so I called them again after several prior attempts but they refused to work with me. Now after they ruined my credit I told them if they agree to take it off I will pay the amount that I owe but they still refused ... .not sure what else I am supposed to do. Its not right to expect me to pay for an item I do n't want and returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XX/XX/2016 and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.

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 2015-04-11
Company: Delbert Services
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have been getting calls for the last year or so regarding a debt from Western Sky my husband and I took out in XXXX of 2013. I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from XXXX XXXX XXXX a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2014 certain person or persons unknown were granted access to the personal bank account of my deceased father XXXX XXXX through the presentation of a Small Estate Affidavit and on XXXX XXXX 2014 recieved a check in the amount of {$38000.00}. Though I am listed as the XXXX XXXX Executor on the Will and was listed as an equal heir to my siblings, I have not received any benefits from this bank account. I was told by BANK of America that I had no right to know who recieved these funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
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:
I was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several accounts on my credit report that I never opened. The accounts are from multiple companies all of which I am not affiliated with in any way. The accounts listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these debts. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: Account Discovery Systems, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The debt collectors call and ask for someone that I have no knowledge of, in any way. I have told them they are calling an invalid number, but they have continued to call. I have advised them to stop harrassing me, but they say that I did n't tell them ( the person speaking ) personally so they do n't know not to call me. They are also harrassing my husband and he has told them the same, we do not know who they are talking about and ca n't help, stop calling. It 's been going on for months and they use different phone number, with no caller ID. Sometimes they 'll leave a message asking for this stranger, and we need to have him call them regarding an important file. They will not stop calling us.

Company response to consumer: Closed with explanation