BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-21
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I first signed up for Cash App in order obtain a convenient and free service in order to make personal transactions easier. After signing up, I had a cash card sent and later the same was stolen from my possession. To make matters worse, the phone number I had originally used was no longer in service. The requirement of a two-factor authorization left me without a leg to stand on when attempting to log in to my account. Over the next couple of years, I periodically received requests for transfers from an individual I did not know. I thought nothing of it until I realized that the same had renamed, reprofiled and repossessed my account. Possibly using my own name as their own, this individual was successful in completing taking hold of my account. I tried numerous times to retrieve the same, only to be halted by automated phone systems and less than satisfactory email messages. I could not for the life of me get a human on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Synovus Bank
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection beacuse I have not paid to Fisrt Porgress and They pass the account to  XXXX   XXXX   XXXX   XXXX . I talk to this company and agree to pay the amounted owned. So they will sent me a paid of letter.   That happened  XXXX   XXXX  ,2017 Afte r paying they told me that they will send that paid off letter and I was expecting that letter and I never get it. Finaly in  XXXX   XXXX , the collection company send me a paid off letter, however I do not need that letter from them.   I want to buy a house and they do not provide me the lette r from First Progress, whic h is my original company that I used to own money.   I have contact them many, many times ... they told me sometimes yes, we will send you the letter, another times they keep telling me No ... You need to write a letter to request us that paid off letter, and I did so  XXXX   XXXX , and I receive a letter from them this time they said that they are unable to fulfill my request.   I see no reason for them to do so if I have paid off what they ask me ....   What is the problem I have contact them at  XXXX   XXXX   XXXX   XXXX  as many times as i can.. Almost four times a week..   They even record the communications Also they said ok I will let you speak to another department and they tranfer me as many times as they want It is like they are playing with me and my time.     Even when I said that i summit a complain with you. They said that I can do what ever I want ... .Thay do not try to stop me ....   Help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I do not know where to put this under but MCM is calling numbers that do not belong to the person who they are trying to reach. The numbers on the account my number belongs to is not even under the persons name they are trying to get a hold of so how is this legal . I may be  the husband but my name was never on any account with my wife 's and this number was originally a business number that I had for a year before switching the number to an account that is not mine or my wife 's. There is no possibile way that MCM found this number under my wife 's name since it was under  XXXX   XXXX   XXXX  and then went to my mothers name who shares no last name or any similar name with me or my wife. How do I know MCM has not called anyone else under my mothers name and disclosed information. These people are doing illegal stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
1.Shellpoint Mortgage Servicing, LLC, a collection  agent for  XXXX  has been contacting me illegally concerning my home mortgage. I have an attorney of record,  XXXX   XXXX . All correspondence, or any contact, should go through her office. They have done this numerous times, and must stop this practice immediately. I had the same problem with  XXXX  's debt collector,  XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  wrote a response to CFPB agreeing to extend the no contact agreement until  XXXX   XXXX   XXXX , or the alleged life of the loan.. That agreement should extend to Shellpoint, also. 2. That  XXXX ,  XXXX ,  XXXX , and Shellpoint immediately cease alleging that  XXXX    XXXX   is the Trustee on the Note of my fraudulent Loan.. On  XXXX   XXXX ,  XXXX ,  XXXX    XXXX   agreed to a  XXXX   XXXX  dollar settlement with the Dept of Justice for their fraudulent lending practices.  XXXX   XXXX  admitted the illegal packaging, securitization, marketing, sale, and issuance of residential mortgage-backed securities Their illegal conduct including, shoddy underwriting and improvident lending practices, forced many homeowners out of their homes illegally. These fraudulent Notes were converted between  XXXX  and  XXXX , including our loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: MORGAN STANLEY & CO. LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This complaint is necessary to ensure the recovery of a collection firm 's fee s (  excessive relative to the small size of the note ) are not the determining factor in a foreclosure sale currently set for  XXXX   XXXX . Consideration of that issue is requested relative to mortgage complaint #  XXXX , as well as directly related complaints #  XXXX  and #  XXXX  on the issues that precipitated the collection action.

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 2021-12-13
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid XXXX XXXX XXXX to settle a debt from Navy Federal credit union. The last payment was made on XX/XX/21, after several attempts to contact and verification that the settlement has occurred, I have not received a letter stating this and XXXX XXXX has not been notified. I keep getting the same promises to update but nothing has happened and my credit score is affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. XXXX XXXX XXXX obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.

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 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A cas e (  #  XXXX  ) was submitted back in  XXXX     2017 to the CF PB for a company reporting on my report, Stellar Recovery. The company stated they would obtain and send verification. I have not received said verification. I have disputed as such with the credit bureau. Transunion has yet to investigate my claim given into account all the evidence submitted showing my attempts to obtain validation from this company. The item continues to be reported, hurting my credit profile and financial reputation.

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 2017-06-07
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing a c omplaint regarding how AmeriHome Mortgage has been handling my escrow account. I can not    get a straight answer if they HAVE or HAVE NOT paid my property taxes. I have made numerous attempts to get this resolved, now I am behind on my property taxes and I do n't know whether I am current or not. AmeriHome Mortgage advised me I am current and i 'll get a check back, however the city and county says otherwise.
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Please I need your help.
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Date : 2016 Amount : tax owed {$5600  .00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-12-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I applied and received a loan modification from Chase through the Chase Home Affordable Modification Agreement ( CHAMP ). Facing the threat of foreclosure, and being several months behind in mortgage, I hastily sign the documents. Not knowingly, that CHAMP was a fraud and involved predatory lending. 
I was experiencing some financial hardship, so turned to Chase hoping to save my home. So they offered me CHAMP. The Modification as XX/XX/XXXX, had Maturity Dare : XX/XX/XXXX. The new principal balance of my Note was {$290000.00}. The Interest Bearing Principal Balance re-amortize over 480 months with a Maturity Date of XXXX ( a Balloon Payment ). The New Principal Balance rate of XXXX annually. Monthly payments of principal and interest in the amount of {$2000.00} which amortize the New Principal Balance to the remaining Ballon Payment over a period of 310 months. The Maturity Date will be XXXX XXXX. 
I am a 24 year XXXX veteran and Chase never offered me to refinance with a veteran loan. I have written 3 letters to Chase to resolve this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Last year my student loans were transferred to Fedloan Servicing after I submitted paperwork to be part of the Public Service  Loan Forgiveness ( P SLF ) program. Since that time, Fedloan Servicing has begun to count my qualifying payments. However, they are counting only the qualifying payments I have made to them and not including those made to my previous loan service provider. My student loans were previously with  XXXX , during which time I made 12 qualifying payments. I have contacted Fedloan Servicing numerous times to request that the  XXXX  qualifying payments I made to  XXXX  be reflected in my account as qualifying payments. Each time I call I get a different story and a different explanation of the process. I want my 12 qualifying payments mad e to Nelnet to be r eflected in my account with Fedloan Servicing, this is something that should have been done automatically when my loans were transferred. Why would n't they have done this when my loans were transferred in the first place? Obviously the loans were transferred because I had qualified for the program! I do not wish to spend the ne xt 8 to  9 years dealing with this problem. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is a response to the complaint that was submitted  XXXX   XXXX ,   XXXX   regarding Nationstar Mortgage. Their response to my complaint #  XXXX  is false. My attorney was disbarred and they know this. According to Nationstar, their records indicate I am being represented by an attorney. That is wrong. They make up excuses to avoid dealing with the issues. This causes barriers when trying to get to the truth. Nationstar foreclosed on my house knowing I was trying to avoid foreclosure. To tell me it is too late to process a short sale is unacceptable. The foreclosure was fraudulent. I would like a full investigation into the decisions Nationstar made during my quest for a loan modification and finally a short sale. The fact that an offer for {$400000.00} to purchase my home through a short sale and Nationstar forecloses and then lists the house at {$370000.00} is again unacceptable. This was an act of greed and down right corrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-06-15
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:
There are three accounts on my credit report that do not belong to me I have tried dealing with the bureaus as well as the furnishers but they will not help me out. I have not signed or authorized or own any cards like these I need them off my credit report ASAP!!! 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are three accounts on my credit report that do not belong to me I have tried dealing with the bureaus as well as the furnishers but they will not help me out. I have not signed or authorized or own any cards like these I need them off my credit report ASAP!!! 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 2021-06-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Closed on loan XX/XX/2021 and Navy federal credit union have not sent me payment booklet to make first mortgage payment due on XX/XX/2021. They refuse to talk to me over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Ever since XXXX, my social security check has been garnished of {$170.00}, and I called the social security office, and they told it to me was a company called pioneer recovery and also their other name pioneer recovery, and also XXXX  for the last five months of {$950.00}, and now they want two more payments of {$170.00} for the XXXX and {$74.00} for XXXX for a government debt that I paid off six years ago, and when you owe {$1000.00} government debt, the U.S department of treasury will send you a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The department of treasury took my income tax fo r 3-4 year s starting after  XXXX   2011  the year I graduated The  XXXX    XXXX   XXXX   XXXX   Should of sent me a receipt for paying instead of sending me anything stating i paid making it seem like i didnt pay them anything i need justice because this is really damaging my credit.

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