BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-27
Company: BB&T CORPORATION
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
This complaint is on a group providing services to the public, but also provide a special service to certain privileged individuals, which are the instigators, and the ones trying to cover up their own crimes. About XX/XX/2010, Branch Banking & Trust Company Inc. where I make monthly mortgage payments on a now alleged mortgage which, is a 5.50 % fixed rate on a XXXX year conventional mortgage. I was not delinquent on payments, neither delinquent on city/county property taxes nor homeowners insurance. A Ponzi scheme was being operated locally involving the assistant clerk, giving an illusion of legal authority, and pretending a fraud law and using and accepting others to use defeated forms with false content to mislead as a conduit to advance an agenda orchestrated by certain lawyers and others concerning privately owned real property. It appearing now, that certain fraudsters had previously unlawfully been using my property for their personal desires and fun. When the economic turn bad I believe these fraudster tried to cover up by filing false information that mirrors someone failing to pay their mortgage and other bills, a false light upon me also, artificially created a justified their Ponzi scheme. This scheme would not survive in a real court under a judge, but I was being rerouted outside the legal/normal jurisdiction by certain actors. The actors included impostors as XXXX threatening, falsely arrested me, using lower standards without the required proper documents. XXXX. certificate of incorporation " delegates authority '' for active and honorary members to " ... conduct amusement enterprises of all kinds ... exhibits shows ... theatres ... and acquire all costumes, scenery, properties ... to issue bonds ... debentures or other negotiable instruments ... secured by a mortgage ... from time to time seem advisable '' .to enter into, make, perform, and carry out contracts of every sort and kind ... foreign government ... '' I believe these fraudsters are being " hired '' through this illegal non profit corp. too fictitiously validate certain Foreclosures and it authority as a legal act performed by law enforcement. Nasty, Nasty, but no doubt great commissions. This also involves an alleged real estate agent, as XXXX XXXX I ask the XXXX of the police department to make and file charges against and others for making a false police report, impersonating a federal agent of XXXX etc., but he refuses. I also, by XXXX fax confirmation sent to XXXX to acknowledge and inform others about the difference between rules and laws including about the exposure of fraud in banks violations.

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 2017-05-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In   XXXX   XXXX   due to non-paying tenants,  XXXX   XXXX  was unable to keep up with the mortgage payments. Mr.  XXXX  reached out to  Chase  and they offered him an in-house modification which he did not receive in time to accept and the modification was rescinded. Mr.  XXXX  re-applied for a modification but was denied. He then hired a law firm to assist him to obtain a modification and for foreclosure defense.  Chase  dragged the review for a modification for over a year and on   XXXX   XXXX   XXXX   an updated complete package was re-faxed for review as all the previously submitted documents had expired. On   XXXX   XXXX   XXXX   another complete modification package was submitted to Chase because all the documents had again expired without a decision. Between  XXXX  to   XXXX   XXXX  , additional documents requested by Chase were forwarded, mainly bank statements and Profit and Loss Statements as  Chase  was not reviewing the documents in time to submit to their underwriter. After requesting all possible documents in regard to the other homes Mr.  XXXX  owns, a decision was given on   XXXX   XXXX   XXXX   because they mistakenly understood that the property was not generating income. An appeal was submitted on   XXXX   XXXX   XXXX   wherein a supervisor listened to the phone conversation and realized that Chase misunderstood. A denial for a modification was sent on   XXXX   XXXX   XXXX   due to the fact that Mr.  XXXX  was generating {$800.00} income from the property. When asked about the cost of insurance, heat and water, Chase informed the law office that those expenses are considered only if a modification is approved which sets the borrowers for failure. When the law office spoke to  XXXX   XXXX , an Executive Office  Specialist  at Chase, they were never informed that a foreclosure sale date had been set for    XXXX   XXXX   XXXX   .   Chase took two years for the first denial and then another two years for the second denial. Multiple times the law office had to request the assistance of an  Executive Office Specialis  t t o move the review forward as the documents they were requesting went above and beyond the norm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: DC
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2017-05-12
Company: United Resource Systems, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX  sent me to collections for medical bills in the amount of {$1700.00}. These are not my responsibility to pay.     These medical bills are from a worker 's compensation case and I have a CO  XXXX   XXXX  case and court order stating that the employer is responsible for all medical bills due was a result of the injury.     All of the medical providers were given copies of the court order back in early  2012 (  my court order is signed  XXXX   XXXX  by Administrative Law Judge  XXXX   XXXX   ),   yet  one collection agency, United Resource Systems  out of  XXXX  CO, is still trying to collect that debt from me.     They, among other collection agencies, such as  XXXX    XXXX   and  XXXX   XXXX , have been reporting medical bills related to my injury, to the  XXXX  major credit bureaus, which has seriously and irreparable damaged my credit.     I expec t United Resource Systems to cea se and desist all attempts to collect these debts from me, as well as remove these accounts from my credit report immediately.     They are directly violat ing CRS 8-42-101 ( 4 ) by pursuing  me to pay these debts.

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
Consumer complaint received 2017-05-12
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My mother co-signed a NJ Class student loan for my daughter who continued to get an  XXXX  when job security was high. Upon graduation the market was terrible. There is no talking  w  NJ class, no flexible arrangements. We tried to keep up but finally we received court papers, to a  XXXX  yr old and poorly paid young person struggling to work many hours a day. Court papers were from  XXXX   XXXX  whose name is all over internet. Ca n't even follow federal rules of debt collection.   Long story short, mom passed in  XXXX  and they have not acknowledged what I sent or faxed. On top of it I asked for update, as it was my mother. They sent it to my daughter and have tagged  XXXX  in fees. Sneaky group, picking on the poor and extortionists. What can be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
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:
i tried reaching out to this bureau several times about accounts that do not belong to me! this information is fraudulent and i want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with  Home Point Financial  in  XXXX  of  XXXX . I was abundantly clear that there would be no escrow of insurance and taxes. In  XXXX  of  XXXX  I received a letter from the company stating that they needed proof of flood insurance. I have maintained flood insurance since the original purchase of my home in  XXXX . I promptly provided them with proof of flood insurance and had  Home Point nam ed on the declaratory page.   In  XXXX  of this year I began receiving anonymous letters from "  Insurance  Departmen t '' of Home Point Financial  stating that they would begin escrowing for my flood insurance. I immediately contacted customer service ( if you could call it service? ) to point out the error as I maintain my own insurance and am happy to provide proof of coverage. I was told that I would be grandfathered in and would be exempt from escrow. Several weeks later I received another letter stating that I would be subject to escrow and flood insurance would be force placed on my mortgage. Again I contacted their alleged customer service department and was assured that the mistake would be corrected.     Yesterday, I received a statement from  Home Point Financial  informing me that my payment had been increased by {$43.00} per month for escrow for flood insurance. I called the company and asked who the policy would be with and how much flood insurance coverage I would be supplied with. No one could answer my question as the " insurance department '' does not have a telephone.     I asked to speak to the president and was told that he does not have a telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion Credit agency arbitrarily reduced my credit score by over XXXX points which was not based on actual credit worthiness but " perceived financial impact '', their words not mine. 
The " perceived financial limpact '' is solely based on a survey they did, not my personal actual worth which has caused me harm in that I am unable to complete a mortgage application due to the drastic decrease.

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 2017-05-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with Carrington Mortgage Services LLC, we have contacted them through online chat to find out why they are charging additonal amounts on our monthly loan payments and there answer was I would have to call direct to speak with a Rep so they can explain the fee 's added. In  XXXX   XXXX  we signed a Modification agreement with  Carrington M ortgage and was told we needed to go ahead and make the  XXXX ,  XXXX , &  XXXX  payments to be caught up. Each monthly payment was for {$330.00}. So we sent in  3 different checks, one for each month requested, each check was wrote out for {$330.00} each. And we have made the exact same payment amounts each month since. Carrington w ill not send us a bill direct and I also asked the online rep about getting the monthly bills/statements sent to our home, cause our lawyer even said they never recieved the bill for  XXXX   XXXX .  Carrington said we needed to mail in a request in which we have and have heard nothing back on that. Carrington has also turned into the credit beaura 's that we have missed a total   of 28  payments and in fact we missed  XXXX  and  XXXX  of  XXXX  payments then we sent in a month and half payment the accepted, which made us half month behind. The next check we sent in they mailed back to us and have rejected all payments even through us having a escrow for all our payments with our lawyer for the every month since.  XXXX   XXXX   Made  2 years since our first missed payment and we signed and paid monthly payments for  XXXX  to present of this year of  XXXX . Here is the only info I can get on our mortgage account through Carrington site as they will not send us info. And they wont explain the fee 's which are not part of the Modification agreement.   Payment informati on Loan Number :  ... ... ... ....   Next Payment Due :  XXXX / XXXX / XXXX  Total Due : {$940.00} Previous Payment Received :  XXXX / XXXX / XXXX  My further comments : ( {$330.00} of the above total is due for  XXXX / XXXX / XXXX  the rest of the total is extra with mo explanation of what it is for and why it is being charged and violates the Mod. agreement. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Some inquiries were removed from my report for approximately a month and reappeared without warning. My concern is if they removed why put them back? I called wrote to transunion, I received a letter stating to call the creditors. I then called them and they removed  1 an d told me they could not remove the others.     Inquires are as follows :   XXXX   XXXX    XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  The one they removed was   XXXX    XXXX   XXXX ,   XXXX   I was told by the individual I spoke to when I asked what caused the removal in the first place ; That there was a glitch in the system. she agreed that they were removed and were place back, yet I have to call the creditors. I did not have written notice that they would reappear. This is a violation of the law in-spite of what caused it. My rights were violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have send three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my Equifax credit report for inaccuracies and for Equifax to send me an updated credit report. Equifax has ignored my letters and when I've called them multiple times on the phone they have placated me with promises that they would update my file and send me corrected reports. I have received nothing and have been ignored completely. I'm at wits end, please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Constantly submitting documents for a loan modification. 
We have submitted at least 10 modification full packages and each time there is a different story of needing more documents. We need our home for our children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Riverwalk Financial Corporation
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   XXXX  " reaged '' an existing debt I had with  XXXX  on a repossessed vehicle. They are showing that the repossession happened this year when it was in fact years ago. I have had no contact with this company, nor have I agreed to pay anything towards this debt so the account legally can not have the clock restarted, so to speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: WELLS FARGO & COMPANY
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: Reporting company used your report improperly

Complaint:
My complaint is in connection with Wells Fargo Dealer SVC reporting fraudulent information on my credit report and XXXX failing to investigate this matter. Wells Fargo Dealer SVC has sent me all the paperwork in connection with this fraudulent account. There is no form amongst this paperwork disclosing the opportunity to Opt Out. This alleged account is in connection to a car purchase transaction. According 15 USC 6802, there should have been a disclosure with the option to Opt Out. A financial institution such as Wells Fargo can not disclose nonpublic personal information without first providing a consumer notice that complies with 15 USC 6802. I never received this Opt Out notice. I can tell you if I ever had the opportunity to fill out this document I would have because this company has been a nightmare to communicate with. I have lost wages due to this illegal activity and been denied credit. Wells Fargo is currently committing aggravated identity fraud as defined in 18 USC 1028A. XXXX is reporting this fraudulent account on my credit report despite multiple attempts to dispute the legality if this account being there. Both companies are committing aggravated identity fraud against me. 

The Account : WELLS FARGO AUTO Account Number : 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 2016-05-31
Company: I.C. System, Inc.
State: NV
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 never use XXXX in my live and i never been. Btw i just get my SSN since 2012 so please please respond me at XXXXXXXXXXXX or call me XXXX to discuss this matter. Ty so much

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 2017-05-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On  XXXX   XXXX ,  XXXX , I entered into an automatic ACH payment plan to make my account current with Navient. I have been making monthly payments ranging from {$290.00} a month to now {$560.00} a month. I started to receive letters in the mail stating that my Federal Loans were in jeapordy of defaulting. How can that be if I 'm paying over {$560.00} a month? I called Navient customer service and they stated that only my private loans were setup on the ACH payment plan. It was supposed to be the entire account. I stated that during my call to set up the ACH with Navient customer service the call agent stated that my entire account would be brought to current and my interest rate reduced since I was on an automatic ACH.     Not only does Navient offshore their customer service, they do not understand the issues as they are often reading from a script, it is very difficult to get an on-shore Supervisor.     I was finally transferred to  XXXX   (  alleged Supervisor ) who stated that my Federal Loans were not setup on an ACH plan and I would have to do this on the website. He would not do it over the phone. I went over a multitude of issues with  XXXX  regarding the impact to my credit report based off their negligence and handling of my account. I had two different payment due dates for my  Private and Federal  Loans. I made  XXXX  change them to match so I would have my bank drafted for both sets on the same day. My credit report has been severely impacted because of the delinquency they have been reporting for the last 2 years. I asked  XXXX  to remove the delinquency as it was  Navient 's fault and he stated that I had to submit a written dispute to  Navient via mail. I asked if I could fax it as it would still be written and he stated no, it would have to be mailed.  XXXX  then applied a forbearance on my account to bring up my Federal loans to current. He then instructed me to go on to the website and setup my  Federal Loan AC H payments.     I proceeded to setup my Federal Loan ACH automatic payments in  XXXX  and the website showed that I needed to pay {$380.00} because the ACH was being activated too close to the  XXXX  due date. I made the payment of {$380.00} on  XXXX / XXXX / XXXX . The website was calculating  XXXX  payments because as of  XXXX / XXXX / XXXX , I do not have an amount due for  XXXX / XXXX / XXXX  on my Federal Loans. My  Private Loan  still has a payment scheduled for  XXXX / XXXX / XXXX  of {$560.00} The way in which Navient conducts business is utterly unacceptable. I should not have multiple due dates for my student loans. If my account is being addressed, it should be the whole account and not part of the account. Customer service needs to be onshore and not based in  XXXX  where people do not understand the issues.

Company response to consumer: Closed with explanation