BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Hello, I disputed an innacurate collection account ( XXXX XXXX ) with Transunion which came back verified. I have sent XXXX XXXX XXXX XXXX a debt validation letter which they received on XXXX XXXX, 2015 XXXX and they chose to ignore many questions in my letter concerning my request for validation. Transunion have come back to me and stated that they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.The FCRA requires Transunion to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. If Transunion continues to verify this collection instead of deleting it, I would like for them to send me all information on file pertaining to this account per FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer :

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage Company, Ditech, failed to apply payments I made to my payment due on XXXX XXXX. XXXX payments were made in XXXX totaling the amount due for the XXXX XXXX payment. Ditech applied those payments as " principle '' payments. I contacted them on XXXX first via phone, to advise that there apparently was an error in their application of said payments. Since then my wife and I have contacted them 3 more times via phone and XXXX email to their customer service department. It is over 30 days now and nothing has been corrected. They have now applied late fees and have failed to return calls, or respond appropriately to what should have been an easy fix. I have never made any payments late, and this is my XXXX home I have owned without ever having such a terrible experience with a lender that purchased the loan from Greentree XXXX last year. 
I am attaching my payment history, email and evidence to support. I feel I have run out of options in trying to resolve this matter directly with them. 
Please assist, thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Ditech went through a system upgrade on XXXX. I called on XXXX/XXXX/16 to ask why duplicate payments had been made as it was showing payments on XXXX/XXXX/16 & XXXX/XXXX/16. I was transferred to the tax department ( XXXX ) who told me they would investigate and get back to me within a week. No one ever did so I called back a week later and they informed me that the system upgrade ended up causing what seemed to be duplicate payments to the City Tax due XXXX/XXXX/16 but one of these payments were " ghost '' payments and they were n't disbursed or taken out of my escrow account on XXXX/XXXX/16, but the actually only payment that was disbursed by them was on XXXX/XXXX/16 which was the correct one for the XXXX tax bill. I told them I was refinancing and needed the Payoff amount to be accurate, they confirmed it was. On XXXX/XXXX/16 it again shows ANOTHER payment for the tax bill due on XXXX. I called on XXXX/XXXX/16 to ask why another duplicate payment was made. They said they made a mistake when the did the first investigation and found out I was refinancing with another company and they wanted to hurry up and make the payment and it caused a duplicate payment and disbursement. I was told they would escalate the problem and it would be refunded back to my escrow account within 3 businesses days. I called after 2 and was told to call back the next day. I called back after 3 days on XXXX and was told it 's still being investigated and to call back tomorrow. They are showing a negative balance on an escrow account that should have a surplus and the did this knowing I was refinancing and this is causing many issues on the payoff amount.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXX  told me they have been unable to report since XX/XX/2022 due to a new reporting system. I was told by XXXX and Equifax to mail them my statements for manual updates. They failed to correct and insist they are verifying inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: WI
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 recently started trying to fix my credit report, and the rep started listing inquiries that I did not recognize.

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 2022-11-04
Company: AMERISAVE MORTGAGE CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX when COVID hit, we asked for forbearance to get us through. They set us up in XX/XX/XXXX. We were required to call every quarter to continue to be on forbearance. We asked for forbearance for an entire year but continued to pay the escrow payments each month. Somehow, after a few months, we were incorrectly switched to deferral. I have called every month for over 2 years to get this fixed and they tell me it is being reviewed and will be corrected. I have resumed making the full mortgage payment every month after that one year of help, and they said the error will be corrected. Then they reported me to the credit bureau for XXXX and XXXX of XXXX in error!! That has since been corrected, but has affected my credit. Nobody ever calls me back, and my statements are a mess and I can't understand them. In addition, they have charged me some miscellaneous fees like 'property inspection fees ' etc. I really hope you can help me get this mortgage brought current. Thank you so much!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Global Lending Services LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/XXXX Global Lending Services illegally repossessed my XXXX XXXX XXXX in Maryland. The governor signed and extended an order against repossessions nut Global Lending proceeded anyway. The repo company they used, damaged my real estate property, damaged my vehicle and no one is claiming responsibility for the damages of approximately {$5000.00}. Now I have paid the account current, but I am left with a nearly totaled vehicle. No vehicle to get to work and no one answering calls. The company they used I believe XXXX XXXX XXXX was not licensed in Maryland. I have Ring camera video of the entire event, and they claimed the damage was already there before the illegal repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

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 2022-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have a credit card for XXXX XXXX that is not mine. 
The card was opened in XXXX under the name XXXX XXXX. I was not XXXX XXXX then, my name was XXXX XXXX. I did not get married until XXXX, then changing my name to XXXX. 

The person who I believe stole my identity was my boyfriend 's ( at the time ) sister who's name is XXXX XXXX. Her and her boyfriend were visiting in XXXX awaiting the birth of my son. I believe they stole my SS number and opened a card in her name, stealing my identity. 

I can prove the name change with a marriage license. 

the previous complaint number was XXXX. 

I spoke with XXXX XXXX as well. They are doing an investigation as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Firstly, my credit score just recently dropped due to the accruing interest/balance on the loan with Dept Of Ed/Navient while I was an active student.. I received a notification from XXXX XXXX that my credit score decreased due to loan amount increase of my student loan debt. Second, the school that I attended XXXX in XXXX, FL is now closed. The credits from this school were non-transferable, I did not receive job placement as promised by the admissions advisor upon graduating, the school is listed as a 'for profit ' school with high tuition/predatory practices. My transcript for the school ( XXXX ) that closed is now reflecting that I graduated from another 'for profit ' school ( XXXX XXXX XXXX ), and my transcript is being stored at XXXX in XXXX , CA which is XXXX. I should not be liable for this student loan with high accruing interest rates and high monthly payments that I have made in the past and could n't afford towards an education that I will never be able to use towards anything. I had to take all of the classes over once I got to an accredited university. Which set my classification back by almost two years. I am a XXXX when I could have been graduating next year if my credits were transferable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: GMA Investments, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They call every day and threaten to call my employer 's payroll department and take legal action or serve me with papers. they call my cell phone and/or work phone. They do not identify the debt nor Have I ever worked with this company before. I did not receive any written notification in the mail from them with information on this debt they claim I owe. 

They also call my mothers house every day on her home phone and tell her she has a bad check and needs to pay or they will serve her with legal action. My mother does not even write checks except for her rent/electric. She has not bounced a check in 10 years or more probably. We do everything online. 

I currently live with my mother but never list her home phone on anything.

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 2016-02-20
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I need the CFPB to do an investigation of what went on with my duplex that was foreclosed by XXXX XXXX. I believe this property was already paid and was not released. However not only did I lose the duplex and its value I have paid for it three times - once with the payments, once with escrow used to pay for it and once with money from the Indy Mac line of credit -that was not really extinguished - to pay back the escrow I had already paid. The escrow for the duplex foreclosed has been paid to date from the field adjustments in modification already paid to midland mortgage AND XXXX XXXX! 
I need someone to sift through this mess. 
In addition since the duplex was paid by Indy Mac where is the money I also paid to XXXX XXXX after they paid off their balance with the money from the foreclosure sale? Did they buy it back with my money I had paid and then sold it again? Or was it Indymac who actually foreclosed and added the interest I already paid to XXXX XXXX back into the loan modification on my house? 
I WANT THIS FIXED. 
I have paid for my duplex I no longer own did not receive the rent and/or proceeds I was entitled and have a balance on a mortgage on my house I DO NOT OWE. 
THERE ARE BLATANT SERVICING ERRORS and I am the one forced to PAY to prove it or XXXX pay for my house TWICE. 
WHAT is the CONSUMER financial protection bureau going to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
For several years I have tried to get my home loan modified. Wells Fargo has taken me through the ringer and I have not gotten the assistance I need. I have re-submitted the requested documents several times, to keep my home from being foreclosed. I think this has occurred 4 times, most recently this year. My loan keeps increasing. I could barely pay it when it was {$2000.00} now it is {$2300.00}. I requested several times to get a fixed rate and to get a mortgage that was more affordable.

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 2017-01-24
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
At the time the loans were in repayment. Navient did not inform us regarding payment of the loans. In addition, the loans continued to grow due to interest. After a year of interest being added to the loan, we were notified that we needed to pay the accrued interest as well as late fees that were added to the unpaid months. As indicated earlier, we were not notified regarding the payments ( statements did not come to the home ) however we did receive the statement requesting the payment for the late fees and accrued interest. In addition, we have been in contact with Navient informing them that those payments are not possible and if we are able to obtain payment options. We were told we would receive the necessary paperwork however ; we have not gotten them. 

The loans were not paid for several years and as the person ( s ) responsible for the repayment we were not notified of the capitalized interest on the loans and late fees. In addition, the owners of the loans did not notify us about the possibility of sending the loans into default of options to resolve the payments for the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: First Associates Loan Servicing LLC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
You currently have a case pending VS. XXXX XXXX that covers these ridiculously over priced loans that they preyed upon the students for. My question is what are the students supposed to do in the mean time? I just received my monthly statement in the mail and it went up about {$100.00} for the month. I cant afford to pay that to them but they wont work with the payments either. So while this plays out in the courts what are we the students supposed to do? Can you push an injunction to get them to freeze all XXXX and PEAKS account collection activity until this is resolved? When do those of us who are suffering get relief?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo sent me a notification that my payroll was posted early ( Wednesday ) instead of Friday. I received an email from them on Wednesday stating my direct deposit was available in my account but when I checked my daily balance the funds were still in pending status as of Friday morning. 

This is deceptive and an unfair business practice.

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 2022-11-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I never had a account with " Midland Finding. '' Don't know them and never heard of them. It's for {$1100.00} dollars. 

I would like to have this removed immediately. 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Was contacted numerous times last week sometimes back to back from unknown number. When i ask who they were was advise they got my number from my previous supervisor XXXX XXXX they continued to call so i decided to answer. Spoke with a rep name XXXX we entered a payment arrangement even though i told her i was unable to make payments because i am in the active foreclosure process for my home. She was persistent and i wanted to stop the calls so i agreed to the terms but i spoke with my housing counselor and was advise until i reach a agreement with a loan modification i could not add any extra bills so i called today on XX/XX/18 to cancel my agreement with XXXXXXXX XXXX and finance incorporated where i was verbally abused and she hung up on me because i asked to cancel my payment arrangement i ask for a supervisor and he was not much help either restating that they can not help me in the future i explained over and over i would have to cross that bridge once i am able to pay and they still threatened me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: Paypal Holdings, Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a VENMO Debit Card and they had an offer if I made a purchase at XXXX or in the store I would get a {$20.00} statement credit. This charge was made on XX/XX/15 and I have yet to receive the $ @ XXXX statement credit. I have emailed them any times and get a different answer each time with no path to resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
2 separate deposits made into my SAVINGS account at a Chase ATM at XXXX XXXX XXXX XXXX, XXXX, TX XXXX at XXXX on Saturday XX/XX/23. First deposit read {$1300.00} and second deposit read {$1700.00}. There was a total of {$4500.00} in crisp {$100.00} bills. I have contacted the bank and they have escalated the case. Claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: PNC Bank N.A.
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husbands mother passed away in XXXX. We have sent an original copy of her death certificate and filled out the paperwork that they sent. We received confirmation that they received these items and they still call XXXX times per day ( each of our phones ). Each time we explain what has happened and each time we are told that the calls will continue until the mortgage is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was an agreement to remove the debt completely off my report upon me submitting a payment and I did that. 
The status states paid on my report/ but its not removed as said.

Company response to consumer: Closed with explanation