BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX -- Carrington Mtge . Said this is a duplicate copy of XXXX I don't know why any one would read this and come to that conclusion. This complaint is more damaging. I made a mistake on XXXX. The Insurance Carrington put on the house XXXX is {$400000.00} NOT {$300000.00}. That's the Correction from XXXX complaint. Carrington Mtge. took out Insurance from XXXX XXXX XXXX XXXX no # XXXX was issued XX/XX/XXXX at XXXX through XX/XX/XXXX. Why would Carrington put insurance on our home and we already have insurance. We had already paid {$2600.00} The premium paid to XXXX from Carrington was {$3700.00}. We had already paid XXXX XXXX {$2600.00}. Total paid out of Escrow was {$6300.00}. 
Carrington has not paid the Taxes on our property. It should have came out the Escrow. 
Account. The Current Year Fair Market Value in XXXX was {$230000.00} That's what 100 % Appraised Value. Why is Carrington have the same house paying insurance premium for a {$400000.00} thousand dollar house that should only value {$230000.00}. This is a Mortgage SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Multiple accounts that have aged out and have yet to be removed. These accounts should have been removed from other credit reporting agencies, but TransUnion has refused to do the same on these old accounts.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: VT
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:
On XX/XX/2022 I submitted a dispute with experian, because they were reporting incorrect information on my credit report. 

One item was not cleared in this dispute from XXXX XXXX XXXX XXXX, however, XXXX confirmed that they reported the loan was discharged with my XXXX XXXX  bankrupcty, but that experian reported their response to the dispute incorrectly. 

I called the bank to ask them if there was anything they could do. They submitted a manual change in the e oscar system, so I called experian to ensure this was received. When I called, the representative said they had never heard of the e oscar system. 

I filed another dispute with the representative on the phone at experian so XXXX could reply again. 

Today, XX/XX//XXXX  the second dispute was responded to, but is still not reporting accurate information. The updated report shows that my XXXX loan was still charged off, which is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was enrolled at XXXX from XXXX. During that time student loans were taken out based off of XXXX telling me that my tuition would never go up and I would be making XXXX a year right out of college. After doing some research I found out that XXXX had lied to me and due to the government pulling their funding based off of illegal activities I sought to have these student loans discharged along with my private ones. Per the form I sent to Navient there is a fine print item that says If you withdrew more than 120 days before the school closed, you may be eligible for this form of discharge if the Department determines that exceptional circumstances related to the school 's closing justify an extension of this 120 day period. Examples of exceptional circumstances include but are not limited to the closed schools loss of accredidation, the closed schools discontinuation of the majority of its academic programs, action by the state to revoke the closed schools license or a finding by a state or federal government agency that the closed school violated state or Federal Law. Per that disclaimer Navient must wipe out the lines and any interest that accrued during that time period. They must also reimburese me on any payments I made towards those lines at that time. Navient has denied my request twice stating that I was out of the school for longer than 120 days. When I brought up the terms and conditions with them they denied it again. If Navient does not discharge the loans taking out during that time period they will force me to seek legal counsel and sue them to have the loans discharged. I meet the requirements for the loans to be discharged so they must be discharged. XXXX had their funding pulled due to fraudulent activity and statements made by the company. I never would have went to XXXX nor would I have pulled out student loans if I knew the statements they were telling me was false. Furthermore, Navient has discharged student loans for other people past the 120 threshold for the same reasons they just went to a different school. A few of these people I know personally and that is how I found out about this. If Navient is going to discharge the loans for one person based off of this they must discharge them for all the people meeting this requirement otherwise they are discriminating against me. Which would be a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Im questioning the accuracy and fairness of credit reporting for this Capital One account. I received an email to log in to the account but theres no transaction history available. Capital One has furnished late payments to the consumer reporting agencies but there is no proof of any late payments. 

According to 15 U.S. Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The current unpaid balance is an overpaid credit due to the consumer as specified in XXXX5 U.S. Code 1666d.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello, Ive tried multiple times to have all 3 reporting credit bureaus remove 3 disputes, 2 on active credit cards placed incorrectly 3 years ago and 1 on my XXXX XXXX XXXX XXXX car loan. I did not dispute my XXXX XXXX  MasterCard accounts nor XXXX XXXX XXXX XXXX and have asked that this language be removed from these accounts. These credit card accounts and my car loan are in good standing and always have been but are being reported as negative as a result of this. 
Additionally, there is a {$91.00} collection from a company called XXXX XXXX  this account does not belong to me I have no contract with this company and have no idea who they are I have asked that this information be removed from my report to no avail.

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 2020-02-17
Company: EQUIFAX, INC.
State: AR
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:
This is the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX XXXX {$2600.00} XXXX XXXX {$960.00} XXXX  XXX {$18.00} XXXX XXXX XXXX {$21000.00} USDOE/XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX  XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX   XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I were approved for a trial period plan for possible modification of our mortgage loan. I ask our single point of contact how would the trail payments be reflected on our credit reports, he mentioned as long as you make your full agreed payment amount within that month you will be reported " current '' to the credit bureaus. We just recently discovered our mortgage is being reported 60 days past due. My wife and I value our credit history, we are very disheartened by being mislead by our single point of contact. Please do what you can to honor your commitment so we can continue having a good relationship with Freedom Mortgage. 
XXXX, Ohio XXXX Loan # 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 2022-08-26
Company: Experian Information Solutions Inc.
State: WI
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:
Dear Sir/Madam I was shopping for a mortgage ( first-time home buyer ) and asked two lenders for preapproval and the interest rate. one inquiry was made on XX/XX/2022 and the second on XX/XX/2022. However, these two inquiries did not count as one. I would like this to be resolved. 

Thanks 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 2022-08-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The listed account is fraudulent as was opened and charges were made without my consent and the the account balance is incorrect. 

XXXX XXXX XXXX {$1200.00} Acct # 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 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I apply to be in XXXX class at XXXX XXXX XXXX  and XXXX suggtion because of my education was from out of USA and have to Foreigh educatioal credential evaluation trsalation service at XXXX XXXX XXXX. I did pay {$440.00}XXXX XXXX for Foreigh Educatioal credential evaluated complited, But XXXX XXXX XXXX did not keep thire promise and did NOT do the job that what I request list for XXXX XXXX XXXX. I asking to refund and dispute payment from Capital one, the crecit card card did not solve the problem. 

Please help me out with paying {$440.00}., From Cpital one Account # XXXX.plese let me know if you have any question, Thank you in advense for your help and assistancce, Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: TRANSWORLD SYSTEMS INC
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I received 3 phone calls today from Trans World Solutions Inc. one phone call was at XXXX HST, XXXX HST and XXXX HST. All calls came from XXXX. 
During my call i originally spoke with XXXX XXXX. He did not want to give me the company address and transferred me to his supervisor XXXX XXXX who did share the address ( XXXX XXXX XXXX XXXX, DE ) but did not want to share the professional license number. He then Transferred me to the manager XXXX XXXX XXXX. XXXX continued to state that he could not discuss the professional license number with me and then said " since you do not want to confirm your address we can not disclose this matter. '' I requested several times after being on the phone with 3 different people over the course of 10 minutes for a verification of who they were and was unsuccessful doing so. I have no problem paying the debt, but I do have a problem with unprofessional and sneaky service. I should not have to provide ANYTHING to them without them verifying who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: National Credit Systems,Inc.
State: FL
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:
See attached. 
National Credit Systems Inc provided me with an alleged agreement that was used to " validate '' this debt. This agreement is in clear violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
This agreement does not have the Required disclosures to OPT out of having my information reported. 
Furthermore, I have not been provided with a copy a dunning letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: GA
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'm very frustrated because I reached out to you all in XXXX of this year about things on my credit that I know nothing about. I'm really trying to help my brother who now has a new born baby get a new car. I have reached out to the FTC and my police here. You guys did get some thing resolved but there are still a few items on there that is not mine XXXX Bank, XXXX and 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 non-monetary relief
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: FL
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 Account # XXXX, has 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: JH Portfolio Debt Equities, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I need the help of the Consumer Financial Protection Bureau, as Credit Control , LLC still has my personal information, trying to collect a debt that can no longer be enforced or for that matter reported on credit. This abusive collection letter states that by the standard established through the Office of Attorney General in the Commonwealth of Massachusetts, mandates that the collection can no longer be enforced. I request that the Federal Trade Commission step up and sanction this collection agency, that is trying to collect on a debt supposedly taken over by a debt buyer known as XXXX XXXX. Both of these companies are owned by the same holding company, and thus both companies are committing abusive collection practices. I demand the purge of all of my personal information with Credit Control , LLC and XXXX XXXX permanently. 

CEASE AND DESIST AND PURGE FILE!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am stating this is not my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying on my loans with Nelnet for the past 10 years on time while working at the XXXX XXXX XXXX XXXX.. I used my income to qualify for payments over the span of 10 years there was always an income requirement for the payment to be based upon.. I called once I was medically retired to see about having my balance forgiven, they now informed me that the plan I was on was not that particular plan for the balance forgiveness.. NELNET calls it the graduate payment plan, but when my income decreased I called and asked them to lower it and when it increased I called and asked them to increase or the increased it. It was always based on my income now they are saying that plan is not the income based plan.. they also stopped Sending statements because they told me that I was prepaid until XX/XX/2020. Now is XXXX and I get an email past due {$64.00} but I am pre paid until XXXX I think they are playing word games with me and thousands of other student borrowers and it is not right or fair.. I paid may loan religiously year after year income based. Now when I want to balanced forgiven, that was not the right plan.. that is not what they told me. That is not right.. I had to put my loan into forbearance for a mistake they made.. I was already prepaid until XXXX of this year..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Received a call from an attempt to locate from XXXX XXXX is the name that popped up on the caller ID. Stated it was concerning the Cash Store about a loan obtained in XX/XX/2013. The state of Texas has a 4 year debt collection limit and it is way past that. They threatened to take legal action. Wanted an out of court settlement. I stated to the caller about the debt collection time limit and hung up. I did not verify any information. Last payment on this was made XX/XX/2013 in the amount of XXXX. I paid them a total of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 my Costco Citi credit card account has been closed, I come to know through my Citi mobile app. I called to customer service of Citic bank and they said my account has been closed and they do not know the reason but I should receive a letter explained the reason. 
I got a letter on XX/XX/2020, but it does not have the reason mention. I called the customer service again and they said me to send a request form to Citi bank location to ask for the reason of my account closed.

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 2018-05-07
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am the owner of my deceased sister XXXX XXXX XXXX 's home she XXXX of XXXX XXXX and XXXX XXXX in XX/XX/XXXX, I was the executor of her estate and my sisters and I inherited the home. I became owner in XX/XX/XXXX through a Quit Claim Deed. My sister did a refinance is XX/XX/XXXX with XXXX XXXX XXXX   for {$410000.00} through a Deed of Trust and Promissory Note. On the Interest Only Fixed Rate Note for 120 months from XX/XX/XXXX to XX/XX/XXXX. this note was never honored by any of the Service Companies. She also did a modification with XXXX XXXX XXXX in XX/XX/XXXX. My home was foreclosed on XX/XX/XXXX. It also was ratified, and audited. I filed a chapter XXXX, bankruptcy to stop the process of my home being sold. I believe that mortgage fraud, and foreclosure fraud was involved from XXXX XXXX XXXX, XXXX XXXX XXXX, and Fay Servicing,  XXXX XXXX XXXX Law Firm, and my former attorney XXXX XXXX. They never acknowledge the Interest Only Fixed Rate Note my sister had been paying the mortgage and the principal since XX/XX/XXXX, when she became ill in XX/XX/XXXX I took over the payments until my savings were depleted and my home went into foreclosure in XX/XX/XXXX. I recently came across this information within the past week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wrong person this bankruptcy doesnt belong to me and I would like it removed

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