BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello my name is XXXX XXXX and im trying to obtain a loan modification to save my house. In this process has made me very confused and feel mislead.Trying to obtain a loan modification threw Carrington Mortgage Services seems impossible. I do n't even know which bank or mortgage company im even dealing with .The statements that are being sent out says XXXX XXXX XXXX and other statements says Carrington Mortgage services.When your also dealing with XXXX different people who is asking to submit information that you already submitted in which I mailed faxed and emailed 5 different occasions it makes you wonder what is going on with this company. My account was assigned a representive from there company but never could get a hold of her and she also said was n't receiving certain documents that I faxed 6 times to there company. I believe and will be proven that there conduct is not only unproffesional but unfair as well. Each and every time I submitted a loan modification packet I was told I did not meet the time requirements as far as them receiving information they needed from me on time and it was always pass the deadline they gave me to that they said they received my paper work. So I was told and letters being sent out to me stating that I was not approved for a loan modification twice because they said they never received my 30 day profit and loss statement but I faxed it to them 4 times well before the deadline they gave me. I was never told I did n't qualify. I just would like to save my home for me and my children, a string of un fortunate events lead me to this position that im in and I just want to save my home for forclosure which is scheduled for sale on XXXX/XXXX/2015. Which gives me very little time to figure this out. I believe threw there unproffesional and misconduct and tactics on acting like there not receiving certain information is a direct attempt to discourage me and in there actions directly cause me to lose my home instead of doing a loan modification in a honest way which would help me save my home. Im getting different info from Different companies for instance Carrington Mortgage Services sends me current mortgage bills, XXXX XXXX XXXX sends me current Mortgage debt as well. This whole ordeal has me lost and confused. If you could help me out in anyway in this matter I would truly appreciate it and would be thankful if you could help me get some honest results in this matter. Im actually working with a company called XXXX to also try and help me in this serious time sensitive matter. So with combined efforts I hope something can be done for me and my children so we can stay in our home and live the AMERICAN DREAM .Thank you for taking the time to read this letter. I work for ups and I own a cleaning company, i work hard to provide for my children and will do the same in making sure i can keep my home for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
XXXX XXXX BK OF AMER XX/XX/22 RE. We have disputed this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: MO
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 submitted a complaint on XX/XX/XXXX to remove the fraudulent information : XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX  XXXX Balance Owed : {$220.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX XXXXXXXX Balance Owed : {$950.00} and inquiries XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX , that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included these fraudulent items in my previous Complaint # 's XXXX, XXXX, and XXXX and I am including them again on my Complaint. I am a victim of Identity theft and I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Again, these items were opened without my knowledge or consent. Pursuant of the FCRA section 605b, the Credit Bureaus are required to delete these items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My deceased ex-husband had a credit card account with XXXX Bank since XXXX. We were married in XXXX, divorced XXXX. According to the divorce we both assumed responsibility for bills in our name. This account was never in my name until his death. I never received any information on this account or used this account. I only found out about it when I was denied a loan last week. I 've had excellent credit with a score of XXXX, that fell to XXXX after they attached my name to this account. XXXX has given me the run around. They refer to me as the primary cardholder, yet they wo n't give me any information or have ever sent me a bill. This is not and NEVER has been my account, but now my credit is ruined because they attached my name to this account. XXXX tells me this will stay on my credit report for 7 years. This is not right. If they hold me responsible, why was I never contacted?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient held my loans when I applied for the PSLF program 3 times. Each time, I was told I did not have the " right type of loans '' and that I needed direct loans. I had old loans, some of which were already consolidated, but many were direct loans. I applied 3 times but was denied each time. I now know I received incorrect advice : I did have federal loans including some direct loans and should have qualified for the PSLF program by consolidating them under the federal umbrella. Based on this incorrect information, I gave up on the PSLF program after the third denial and consolidated with XXXX for XXXX. I attempted to go through CFPB to try and get XXXX for XXXX to reverse the consolidation. They agreed to do so, but Navient refused to refund the money to them and reinstate my loans. I would ask CFPB to reach out to Navient to see if they would agree to refund the money to XXXX for XXXX and reinstate my federal loans. This would allow me to apply for the PSFL program and receive loan forgiveness. The amount I initially consolidated with XXXX for XXXX is around {$37000.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Me had my husband recently separated because of finance issues.We applied for a mod in XXXX which we could not afford because my husband lost his job So of coarse they put us in forcloser in XXXX of XXXX I filed chapter XXXX because I did not know what else to do. So in XXXX of XXXX my attorney file a XXXX mod.through the bankruptcy courts. In XXXX XXXX Carrington once again denied it because they claimed they did n't get paperwork in time which my attorney had proof they did. So a medatior had to step in through the court so we all had an conference call meeting. Now the agreement that Carrington needing was for me to do a quick deed within 2 days because my husband is no longer in the home. So that was done. So a couple of months after that Carrington needed proof that my husband is paying child support. Ok even though that was not what was needed at the time I submit that. Ok another couple of months go by which now is XXXX XXXX, my attorney called on XXXX XXXX, XXXX and said that Carrington yet again denied the mod. this time do to the child support not being court order. I have done everything they have asked me to do and yet they keep making up rules as they go. I thought the XXXX was to help people like me. This is the only mortgage company I know that are so unwilling to help. If you would look at the reviews for this company you clearly see everyone is having some issue with them. I am wanting to save my home for my XXXX children and I am not trying to get out of paying that 's why I applied for the XXXX but there is something not right with this Company. The people that answer for them do n't never give the same answers. When I asked them about the XXXX in XXXX I was told by a rep. there saying they do n't participate in this program and neither does my investor with they say is XXXX, but when I pulled the list of mortgage companies that do Carrington and XXXX do participate in the program. I am not understanding. 
'

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: ATG Credit, LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Atg collection agency has re-aged a debt. The original account is set to fall off my credit reports by XXXX. Atg has the removal date as XXXX. They have filed a date of first delinquency as nearly a year later than the actual date. I have filed XXXX disputes with XXXX and each time they falsely verified the information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I called compas bank several times to do a simple address change. XXXX the first person i spoke with stated that I abandoned my account. I asked how is that possible and was told because I have not made any deposits or withdrawals recently. He said i no longer have access to my account until the inactive status is lifted. Once lifted I can have access. He was supposed to escalate to corporate to have re activated and said someone would call me within 24 hours. No call received. I called back the following day spoke to a XXXX. He said account would be escheted to the state If status not removed. He said they were working on it in fulfillment and should be active within a few days. I call back XXXX spoke to a XXXX who said it was never escalated and that the fulfillment person rejected it. She said they needed more information from me to have status changed. Again gave all my information. XXXX promised me account would be reactivated that day and that she would call me back. Today is XXXX and still no call. 

They are unable to tell me what date this supposedly took place. I have a considerable amount of money in this account and am not able to access it due to this inactive status. I 've asked to speek to a supervisor several times with no avail. I 've called and spoke to 4 different people this week with no avail. Latest call was on XXXX to a XXXX who assured me account issue would be resolved that day and was to call me back once resolved. Still no call nor am I able to access my account. I am at my wits end. I am waiting for the bank to open so I can call again this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Company increased my mortgage payment for escrow shortage. Claim they sent a notice although I did not receive it. My auto-bill payment account completed an on-time payment using the old amount ( {$55.00} short of new payment ), after which i received a letter stating no payment was received. I was charged a {$25.00} late fee that the company would not reverse. At present, the company is still holding my payment without applying to my account, stating they can not apply until full payment is received. This does not seem like proper accounting practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
In 2009 my mom passed away and I received demanding letters from this attorney in my name. This was not my debt but somehow was in my name. I felt that my mom had taken out the cc in my name since she lived with us. Next thing I knew, after disputing this, they were suing me. I was still dealing with my moms death and the lady was nice when I called and said if I just signed papers to not go to court, they would work with me to get me a signature card to see what signed for hte card, So I did that and paid XXXX a month all the while trying to get a signature card. Next thing I know they are garnishing my bank account and I do n't even have a job. Everything we have is what my husb makes. I called and the lady then told me she did n't care, they were doing nothing but taking everything I had. I went to court and Freaney basically told me he was n't working with me, he could do what he wanted. I have sent letters and applied with the group to have the balance written off since it was not my debt. I ca n't even have a bank account because they will try to garnish it. They lied to me and tricked me into signing the judgement and had no intentions of getting me a signature card to see who opened the account. I have no money to try to fight it and I do n't even have a job. They were extremely deceptive and hateful on the phone and basically said they did n't care how I fed my family, they were taking my money and that was it and they did n't have to work with me. It has been a couple of years since they tried to garnish my account and I never heard back from the hardship papers i filed with them. I just need this to be over so I can move on without being afraid of the sheriff pulling in my driveway with garnishment papers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: MO
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 submitted a complaint on XX/XX/XXXX to remove the fraudulent information : XXXX XXXX XXXX  XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$760.00} ; XXXX  XXXX Balance Owed : {$200.00} ; XXXX  XXXX XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX  XXXX  XXXX Balance Owed : {$220.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX  XXXX Balance Owed : {$950.00} and inquiries XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included these fraudulent items in my previous Complaint # 's XXXX, XXXX, and XXXX and I am including them again on my Complaint. I am a victim of Identity theft and I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Again, these items were opened without my knowledge or consent. Pursuant of the FCRA section 605b, the Credit Bureaus are required to delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Inaccurate information reported on 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
Consumer complaint received 2020-09-29
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello I have a complaint with a company named chime bank but also with the XXXX XXXX  company who helps with funds with chime and XXXX XXXX as well I was getting money from unemployment since XX/XX/2020 and they took all XXXX - -- -- -- -- -- XXXX or more and lost wage they have given me hard time to return that money and then to of XXXX 2020 and they told me they have it and will give back to me ( which is was a hard lie to shut me up ) That what they said but never they return the money they put me and horrible mess with our bills they always did a quick email response so it would be something but ever time it was different but not to different they are embezzle money and wont return it. I have documations of them basial lieing and pleading that they have it and will give it back when they have second they are crazy .i want this company shut down and to return the money to billons maybe more and with settlement to those who are having the same problem i want the CEO in jail and i want my money back. and then some

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts REASON XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$25000.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$430.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1200.00} US DEPT. OF EDUCATION/XXXX  ID THEFT - This Collection Is Not My Account Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$50000.00} XXXX XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$9900.00} XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$1000.00} XXXX/XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XXXX/XXXX/XXXX Balance {$1000.00} XXXX  XXXX  XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2200.00} Date XX/XX/XXXX US DEPT OF EDUCATION XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2000.00}, XXXX, {$2000.00} Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I understand that failure to investigate these accounts within a period of XXXXhirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.I also understand that the Fair Credit Reporting Act- specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notifications of the appropriate corrections and updated credit report at no charge. thank you for your time and attention to this matter. I look forward to hearing from you soon Very truly yours, 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 2020-12-28
Company: MAJR Financial Corp
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these hard inquiries on my XXXX  credit report

Company response to consumer: Closed with explanation