BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: CADENCE BANK
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The company, BancorpSouth of XXXX XXXX has reported late payments to credit bureaus as of XX/XX/XXXX, when I was approved for forbearance. This company also attempted foreclosure in XX/XX/XXXX after I followed their advice and process in applying for Loan Modification. I was required, after their instructions to pay attorneys fees, and the payments they advised me to miss after they immediately put home in foreclosure. All this after following their instructions. Later checked with legal company which I'd defunct and does not answer the phone. 
I also noticed after getting copies of my initial loan documents of XX/XX/XXXX, that there was never a loan made to me, not realizing at the time, I signed that it had been. Also the " lender '' which didnt lend, did not sign the documents, only my signature is present, without understanding, being rushed, after the home conveyed to me via Warranty Deed, and was paid for, I was given documents to then give my home to BancorpSouth XXXX and a Trustee that I didn't know and was not present. The documents made bank beneficiary and gave my home that I had paid for free and clear, and without understand or realizing no one gave me a check or any money exchange. In reading the copy of the loan documents, this year, I suddenly realized I had been defrauded, and had been duped into granting my home to a bank without receiving anything of monetary fiduciary value from them. I sent a certified Certified Written Request to the banks CEO this month, and received no response. In XXXX or XXXX sent XXXX to XXXX XXXX, and have not received the response she promised. There continue to be negative remarks from this bank on credit report, after their servicing agent said there was none. 
I request your assistance with the above mentioned concerns. 
Removal of negative remarks, General Accounting Practices ( XXXX ), real evidence of their lending me funds on the date of XX/XX/XXXX or date of the alleged loan, and why was I given instructions by them re the loan modification and then their procedures to foreclose. Also I ask for the itemized accounting for the nearly XXXX XXXX dollars I was required to pay to get out of foreclosure in XXXX. 
I feel there was deceitful practices due to my lack of knowledge and being a first time home buyer. I ask for the XXXX ( est ) proof of a loan from BancorpSouth, and explanation of why they did not sign any documents for which I was lead to believe they were a party to. I never intended to grant my home to BancorpSouth or to make them Beneficiary or a stranger Trustee, and myself liable for an amount of money I never received. 
I feel I was defrauded by all concerned. I never noticed gave permission or noticed that my name was suddenly changed on the documents. 
I want answers to ALL of these concerns. XXXX XXXX nor XXXX XXXX have not responded. XXXX XXXX has not satisfactorily resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I just called Navient today, XXXX/XXXX/17 to see if there was a way to lower my monthly payment as I am in XXXX. I was told the pay as you earn could lower my payment and still qualifies for Public Service Loan Forgiveness, repeatedly. I did some research online and called back to make the change to the new payment plan. A different operator said I was given bad information that my loans do not qualify for the payment plan and in fact most of my loans do n't qualify for public service loan forgiveness. In tears I hung up with the operator. I have been paying on my loans for about 4 years and have never been told my loans do n't qualify for PSLF. In fact, I have asked and been told they do. I have had numerous conversations with Navient about PSLF regarding loan qualification, qualifying non profits, breaks in payment, details on filling out the PSLF form, etc and they have never told me my loans do not qualify for PSLF until today. For my loans to qualify now I would have to consolidate them but it will start my 120 payments over from the beginning. Nobody ever told me this and I asked about it repeatedly over the years. I am waiting on a report from the third person I spoke with today, but I have paid well over {$9000.00} and they now tell me very little of it will count towards Public service loan forgiveness. I am not even sure what type of loans I have now but only XXXX small ones are direct federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
After 6 months of addressing and correcting issues arising from and identity theft issue, some of which was/is caused by the EQUIFAX data breach, countless hours navigating through an incredible cumbersome, incompetent and corrupt process, not caused by me, I finally thought I had made significant progress. I just received a response letter from Equifax, that confirms just how incompetent and corrupt the credit reporting agencies in a way that I have not been able to in this process. The letter is in response to my written request to remove the fraud alert on my report since all the fraudulent issues have been resolved and the alert has been cited as a reason for lenders to deny my credit request. I am XXXX and especially in this time of pandemic, it is become imperative that I have access to credit simply to survive and support a family. At any rate, the response letter states that EQUIFAX can not find my credit file in their database and requests the same documentation that was included in the request to remove the alert. So, after 6 months dealing with EQUIFAX and the other credit agencies, countless forms, letters, complaints etc ... they can not find my credit file? In normal circumstances this would be laughable, but when this is literally a life and death issue it is nothing more than gross negligence by EQUIFAX. Again, I'm dumbfounded that this type of thing continues to happen. I have also during this process located a written document I received from EQUIFAX stating that my information had been compromised during the data breach and I was entitled to a settlement offer. I am hoping that someone actually reads this complaint and I can finally get this horrific nightmare completed. PLEASE EQUIFAX your incompetence in these times is literally having real time negative impacts on peoples lives. Any delay in this action and I will have no other choice but to let a court decide. This company is putting peoples lives at risk by their incompetence and negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Payoff process

Complaint:
On XX/XX/XXXX, I called the Chase credit card department ( XXXX ) and asked this question : " how can I tell when an online payment from a bank has been processed, settled, and there is no chance for a return, cancellation, or stop payment on the transaction? '' I was told that the process normally completed within XXXX or XXXX days, and I could tell when the status changed from " pending '' to " completed '' and my credit card balance reflected the payment. Based on this understanding, I made purchases for a company who provided me their XXXX checking account number and routing number. After seeing the payments go to a " completed '' status, I provided the company the goods made from my purchase using my personal credit card. Now all of the payments made over a XXXX week period are being returned. The company will not take my phone calls or return my emails, and Chase expects me to pay the debt with my funds. I believe Chase gave me incorrect information ( verbally and from their website ) and bears responsibility for this fraudulent scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was checking my credit report and I have found that there are unauthorized inquiries that appear on my credit report that I never applied for.

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 2020-04-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was checking my credit report and I have found that there are unauthorized inquiries that appear on my credit report that I never applied for.

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 2017-05-22
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good evening i am contacting CFPB in regards to a company who continues to send me letters regarding a debt that i already paid.    XXXX   XXXX   XXXX   t hrough the creditor  XXXX  has been sending me letters for years asking for a {$690.00} payment for a debt. They stopped in the past but started sending these letters again in  XXXX , particularly in  XXXX  of  XXXX . The latest letter i received from them was on   XXXX   XXXX   XXXX  .     I already paid this debt before to  XXXX  before it first went to collections but they did not acknowledge any of this. I have contacted them numerous times to mention this but it continues to fall on deaf ears. Can this please be sorted out and can i be helped with having this deleted from my credit report?     I should not have to suffer because of a debt that i myself paid already. I think what they did years ago in the past was after i paid it before it went to collections they sent it to another collection agency. This has greatly damaged my  credit score.      Not only that but I have attached pics  of one t ype of letter they normally send to me. Also if this can be taken care of can the collection agency please be asked if they remove it, that they can report it to all   XXXX   credit agencies  (   XXXX ,  XXXX , and  XXXX   ).  If this can be done it would be greatly appreciated.

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 2016-09-15
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After reviewing my personal credit file with XXXX I discovered a collection agency by name of Commonwealth Financial Systems. Inc.. Original creditor : XXXX XXXX XXXX. XXXX. Just a few minutes ago I reached out to Commonwealth Financial to find out why they are reporting negative item to my credit report. After reviewing invoice company sent to me in the mail I discovered they are attempting to bill me for services or hospital visit. I never I was never admitted to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2012. I disputed this item with XXXX more than 30 days ago and it was supposedly verified that the item is valid.. When speaking to creditor I asked them to provide documents to me to proof I was admitted to hospital. The representative from company stated they do not research or validate collection items and that XXXX is responsible for contacting hospital to obtain documents. This company clearly did not validate this item with XXXX or provided them or me with no documents to validate this debt. 

This creditor must validate that I owe this debt. XXXX has already given them more than enough time ( 30-60 days required by law ) to validate this item which they chose not to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had a unauthorised charge on my chase business account. The charge was XXXX dollars. I contacted chase and they gave me a XXXX temp credit. They claimed the company changing provided all the proper information for the charge and then took the credit back leaving a charge of XXXX on my checking account. Now chase has cut workers during this pandemic so it's a minimum 50 min wait on hold to talk to a person. So i use their message system. Now the merchant who charged has claimed they reversed the charge and have nothing? Contradictory to chase bank, now chase is saying there was no money taken from my account? I only have the 3 charges and credit to equal - XXXX in my account. Basically my money is gone. They are highly incompetent and take days to Respond and never give details. They have cut staff and continue to avoid answering where my money is at! They have held my money in one way or another since XX/XX/XXXX!!!! They are profiting off this pandemic by basically withholding money and making it very hard to contact them, they are a bank and should have no right to play with peoples money during a pandemic. I personally believe they are using this pandemic to profit from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: PNC Bank N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an unsolicited VISA card from PNC Bank for an account I closed over ten years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: The J. G. Wentworth Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modification in XXXX of 2015, I was told by my previous lender that the modification was approved. I was initially told my loan payments would go down to the {$1200.00} range, and then I was given documents that stated my payments were {$1600.00}. I was told to make my initial payment on XXXX/XXXX/2015 to the new servicer, JG Wentworth. I made that payment, as well as subsequent payments. My current lender, JG Wentworth is taking my payments, but they are not acknowledging the payments or applying them to my loan. They will not give me any mortgage interest or apply any payments. I have called multiple times and they are stating my information is not being updated in their system and there is no one that I can speak to because underwriting handles it and underwriting does not speak with people. They have also stated that I should still continue to make my payments of {$1600.00}, even though they are not being applied to my account, and even though J. G. Wentworth is sending me statements that say that my payment amount is {$1400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
issue-1 Our loan was sold to Green Tree/Ditech in XXXX 2015. In the transfer, somehow, the monthly amount that we were to pay was reduced to an number that did n't replenish our escrow account. Ditech never notified us, and just recently sent us an " account evaluation '' showing that we are in the negative with our escrow, and raised our monthly payment by almost {$500.00} to start immediately. I contacted them on XXXX XXXX, filled out the online form to cancel our escrow account, and followed up with a letter, sent to the address their rep gave me. I got an email saying that they would review this and get back to me within 10 days. It 's been a month and no word. Our payment would be late on XX/XX/XXXX, so I emailed them in advance and let them know that I 've cancelled our escrow account, and would only be paying the principle and interest, then made that payment on time. Now, they took that money and put it into a " suspended account '', and charged me a late fee, as if I did n't pay at all. 

Issue 2- When we were first sold to Ditech , we only had the option to " XXXX '' or auto withdrawal every month. I choose auto withdrawal. Four months later, I get a notice of default, because somehow, they deducted less than the full amount of our payment, never notified me, charged a late fee, reported it to the credit bureau. I contacted my bank, and they have no idea why that would have happened. I paid the full amount due, and appealed to Ditech to waive the late fee and not report it to credit. They promised a written response within 30 days.75 days later, they denied XXXX requests. Meanwhile, I have paid the late fee XXXX times, and it is STILL showing on my statements. I believe that they have been taking that fee and applying it to the escrow shortage, but, again, never informing me. 

So, now I have a total of {$7000.00} and change due on XX/XX/XXXX. They have failed to cancel the escrow and are still charging for that plus XXXX late fees. I fully expect them to put me into default again soon.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The Equifax credit report listed a former address for me and I have never lived at this address. The address came up many times as an option for identity verification and I was denied access to online resources due to the inaccurate information. I contacted Equifax in XX/XX/2017requesting the address be removed from my credit report. They agreed to do so. However, my most recent credit report from Equifax still contains the address they agreed to remove. I did not recontact Equifax about this issue as it seems their follow through is not reliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: EQUIFAX, INC.
State: NJ
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:
At the end of last year I decided to work on bettering my credit. While checking my Equifax reports in XXXX I discovered that there were several accounts reporting that did not belong to me. The agencies listed are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Being that I have never heard of these companies nor I have done business with them before I asked to have these debts removed. In a letter date XX/XX/XXXX I sent this company a certified letter asking for debt validation. The company did not reply. In a letter dated XX/XX/XXXX I sent another letter stating that since the company failed to investigate my disputes in the given time frame of 30 days that they must by law remove all the debts. Late XX/XX/XXXX the company finally replied to my compliant with a letter asking for me to verify my identity which I did in a letter sent dated XX/XX/XXXX. On XX/XX/XXXX the company responded to my XX/XX/XXXX letter with the same letter that I received in XXXX leading me to believe that the company is stalling on investigating my disputes. Because this company has not made the effort that they are required to by law to service me as the consumer I feel that I do owe these debts and want them removed immediately from both of my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: WI
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
I am unable to access my online account and when I try to call the Rush Card customer service or email them, they do not resolve my issues. I want to make sure that all of my money has been appropriately used by me, and because i am locked out of my account I ca n't do that. Rush Card customer service representatives told me Sunday XXXX/XXXX/2015 that my account was unlocked and it was not. I feel very uncomfortable about them having my personal information and they are beng dishonest. Had the Rush Card rep told me they could n't help me that would have given me some trust in them. I unable to review my transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-24
Company: Southwest Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Southwest Recovery Services called at XXXX AFTER repeatedly calling and saying the account would be turned over to their attorney by XXXX that same day. 

I will include a screen shot with their office number to verify they called at XXXX and when call was received, a live agent with Southwest Recovery was on the line named, " XXXX. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I sent a certified letter for verification of debt to imc credit. I received receipt debt collector signed for documentation. Creditor changed on my credit report to rmp llc. On credit report notes it says in dispute. It has been more than 30 days for response.

Company response to consumer: Closed with explanation