BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Carrington Mortgage Services did not follow thru on the HAMP modification that was applied for thru XXXX XXXX. They stated that the 3 month trial period would be as long as 10 months because they were too busy to look at it from acquiring too many loans from XXXX XXXX XXXX. XXXX XXXX XXXX approved a trial HAMP for three month sold the loan to Carrington Mortgage Service before the first payment was received. A good bye letter was received but no welcome letter ever came. Every month required a phone call to Carrington to make the trial modification payments which were XXXX more than the regular monthly payment. Numerous calls to Carrington with poor or inaccurate information have occurred. Carrington ultimately denied the modification due to liens they stated were attached to the property. The liens are not attached to the property and Carrington did not provide accurate information on the phone. Carrington will not apply over 6 months of full payment to the outstanding balance and have cause a determent to credit scores and ability to get out of this situation. Carrington did not try to obtain clear title just stated there was not a clear title. HAMP guidelines require the lender to do everything reasonable and necessary to obtain clear title to approve a HAMP modification. This did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: NCC Business Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We rented an apartment from the XXXX ( located XXXX, OK XXXX ) from XXXX XXXX to XXXX XXXX. The lease converted to a month to month agreement. In XXXX XXXX, we ended our lease after finding a larger place for our family. Over time, we decided to review our credit reports in hopes to find a home. We noticed a collection agency ( called NCC Business Services ) claiming we owed a debt of {$900.00} under a joint account. XXXX of XXXX we contacted the XXXX and spoke to an agent named XXXX who verified a cleaning fee was due in the amount of {$780.00}. I asked why documentation was never mailed to us giving us an opportunity to pay on the bill and the breakdown of the cleaning fees. The agent claims she did not work at the apartment complex during the time of the ending of our lease and was unable to provide proof of the breakdown of charges. She advised she would forward the information to corporate and will have them send the breakdown of charges to our current address ( the same forwarding address left on file ). To this date we have yet to receive any documentation from the corporate office or a phone number where they can be reached. The collection agency still shows this entry as being an active open account on our credit reports which we feel is quite unfair since we 've never been informed a bill was owed in the first place. We feel since the apartment complex, their corporate office, or the collection agency are unable to provide any documented proof of these charges, we would request this debt be removed from our reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: CA
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 purchased my mortgage from guarenteed rate on XXXX XXXX the day I paid guarenteed rate. They immediately reported my account delinquent to the credit bureaus instead of waiting the 60 day window for me to sort out where the payment was to make sure I did not double pay. I was told by a truist representative that the late payment report was based on an accounting error by truist : their system says they have owned my mortgage for months longer than they actually have. However no matter how many times I call I can not get to anybody who can actually fix the problem, they just submit support tickets endlessly. This should be a simple dispute since they are supposed to wait 60 days, but the credit bureau dispute I filed was not successful.

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 2015-05-14
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call XXXX to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the XXXX time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: NCC Business Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been trying to get Ncc business services to update my credit report since XX/XX/XXXX. I paid this account balance in full after jumping through hula-hoops and placed on hold several times with several different people due to their poor phone system if thats what you want to call it. I received my paid in full letter after a rep " lost " my front and back copy of the check i sent. I was happy. i have waited and waited and even talked to a XXXX supervisor who told me they were reporting the account as closed even though i see it has not! I have waited a month and this account is not showing as closed or paid. I am getting nowhere with this company! I have no clue how they are in business. Its so frustrating trying to do the right thing and the people who are supposed to be helping you dont even know what they are doing. I have called multiple times to get this corrected and each month it doesnt happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
U.S Bank is dual tracking. They are trying to give a foreclosure while trying to pursue a modification on out home. They are giving us undo stress. The mortgage company has been unreasonable. I had a change in circumstances and they have acting like they do not care.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2016-11-02
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX Dovenmuehele Mortgage Inc. refused to pay our county taxes by the due date of XXXX XXXX, 2016. They refuse to have anyone from their tax department take our phone call. They refuse to tell us when payment will be made and why its being paid late. We have called and sent in the bill yet they refused to pay it by the due date. They stated in an email they had till XXXX XXXX. The County Treasurer even emailed them stating this is not true. We called again today and all of a sudden they do n't have the paperwork that allows my wife to handle the mortgage. I had to verify over a three way call and give approval for them to speak with my wife. She spoke with XXXX employee ID XXXX. He would not make any phone calls or find out why the taxes were not paid. He repeated numerous times that there is usually a 40-45 grace period to pay the tax bill past its due date. My wife repeated that this is not the case in our county. He refused to put his boss on the line. He refused to get the payment sent over night mail. He refused to send a message to the tax department so this does n't happen again next year. When asked to speak to his boss we were told we could leave a voicemail for his boss XXXX. He refused to provide her employee number or last name. The voicemail box was a generic one that did not state you had reached XXXX. As we are forced to have our taxes escrowed we are left with the Mortgage company making late payments. As we pay our mortgage payment early every month we expect the Mortgage company to pay our taxes by the due date. This should not be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Account information incorrect

Complaint:
Ive sent a theft report from the police and none of the information has been removed. Late payment are showing on my report that are false am no investigation was done by the company.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: OH
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:
An 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 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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
An 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 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 2015-06-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I believe that I am a victim of predatory lending and bad business practices. I was promised a superior education that was to be followed by a dedicated staff that would stay with me through the hiring process when I enrolled at XXXX XXXX of XXXX XXXX in 2006. I was sold a dream that did not exist and pressured into signing for loans that I did not understand. Once it was found that I would not be able to fund my education completely through XXXX form of federal loan I was informed that there was another type of federal loan. They proceeded to tell me that all I needed to have in order to guarantee funding was XXXX individuals with poor credit that would automatically get denied and their permission to do a credit check so that I could benefit from the other loans. This is what we did. We used my mother and sister as potential cosigners and once they were denied the financial aid office told me I was eligible for full funding. Within a few minutes they had whisked me away and had me sign paper after paper. I started to become hesitant and it was at that point my recruiter began to give me a speech about how I was older than the traditional college student and that I needed to jump on this opportunity now if I ever wanted to amount to someone who could provide for my family. She told me it was extremely hard to make it through life with a lower class job and that this may be my one and only chance to get out. At no point did they ever tell me that the loans I was signing up for were private loans that would not follow the same deferment guidelines as the federal loans. From what I understood all of my loans were federally funded. 

Obviously I signed up to be a student and during that time ran into many roadblocks that made me regret choosing XXXX. It was't until much later when I decided that the school was a fraud that I was informed my credits would n't transfer. I only decided to stay because I was informed that my degree WOULD transfer and that I could obtain my XXXX at another school. Upon graduating I found out that was a lie. None of the state universities would touch me. The only schools willing to look my way were other high dollar schools such as XXXX and University XXXX XXXX which cost up to $ XXXX out of pocket. Now today I am stuck with $ XXXX in debt ( will be $ XXXX by the time interest is paid ) and a degree that I can not use. Payments are expected to be around {$700.00} a month but who can afford that and live? This story can be heard from victims all over the nation and something needs to be done. 

My loans were originally through XXXX XXXX but are now handled by Navient. I believe XXXX XXXX was aware of the bad lending procedures at XXXX and other for profit schools and turned a blind eye. They did not have to provide XXXX with the ability to provide funding to students but they did and now students everywhere are drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
US Bank would process my debits, largest first, so that my account would go negative and then incur overdraft fees. Then they would process deposits, but would take all of my overdraft fees out of the deposits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
I went to mexico and enjoyed a day of swimming with the dolphins. Once the day was finished I went to buy pictures with my credit card. During this time dolphinaris credit card machine went down. They swipped my card 5 times with no success. The dolphinaris said we will bring your pictures to your hotel for cash payment. I was ok with that. When I arrived back XXXX I noticed XXXX charges on my credit card. I immediately called US Bank and disputed the charges, the bank took off all charges and credited back my account, then one of the charges were added back to my account till I could prove I paid with cash, I asked if the bank could get my signature verification, I was told no they do n't do that and people do n't sign their cards anymore, It was up me to get prove I did not charge my card and that I paid cash for my pictures. So that is exactly what I did. I got the proof after about 3 weeks. I sent this information though XXXX mail as well as to these fax number XXXX XXXX, Every time I have sent to these numbers it appears that nothing is being done. I spoke to a XXXX, XXXX, XXXX, XXXX to XXXX again on XXXX and sent the fax over nothing was doneSpoke to XXXX XXXX XXXX and then XXXX XXXX XXXX, fax was sent nothing was done. 
spoke to case manager and she was extremely rude and unprofessional and was unwilling to help. 
Spoke to XXXX today XXXX XXXX and said that XXXX did receive my fax but was unsure what happened to the fax. XXXX stated that something on their end is not being done right and that this was not my fault. She also stated that I could send the fax to her directly. I asked what can she do that no one else in her dept has n't already promised me. She said as soon as she sees in come through she will call me. I said that is fine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-29
Company: U.S. BANCORP
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband obtained a loan from US BANK for a XXXX Ford Fiesta. My husband died in XXXX 2011 and I have been making the monthly payments since. On XXXX XXXX of this year I talked to US Bank, got the pay-off amount, and gave them my bank info. They deducted the pay-off amount from my account. They told me I would get the lien release in several days. When it did n't come, I called ( about XXXX XXXX ). They offered no explanation for the delay but said it should be coming. I verified the mailing address. I contacted them again mid last week and was promised a call back within a couple days. No one has contacted me. I need the lien release in order to buy my tabs which are severely past due. The bank does not dispute at all that the loan is paid off ; yet it seems they are not sending the lien release! They offer no date that I should be getting it, nor any explanation of why it should take so long. I 'm at my wits end. My health is not that great and I sure would appreciate it if you can get them to send the lien release because I ca n't deal with this. I honestly do n't know what to do otherwise. Thank you.

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 2016-07-23
Company: FIRST NATIONAL BANK OF OMAHA
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
1ST NATIONAL BANK OF OMAHA XXXX XXXX XXXX XXXX, NE XXXX Re : Unauthorized Credit Inquiry Dear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing on XXXX XXXX, 2014. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. 
Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: SC
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:
Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ), Account : XXXX Reason XXXX Delete this unverified and inaccurate 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 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XXXX XX/XX/XXXX, for XXXX XXXX capital one sine XXXX Ive contacted both several times telling them I wanted to exercise my 15 usc 1608 consumer rights

Company response to consumer: Closed with explanation