BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020, again.

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 2022-06-14
Company: DISCOVER BANK
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The Discover Card company calls me from several different phone numbers several times a day. I have tried to block the numbers to stop getting the calls. They have resorted to calling my parents and the home number of my former residence. None of those numbers that they are calling are connected to my credit card account. They must have searched the numbers through a database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Fidelity National Financial, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Complaint against Fidelity National Financial , Inc ( FNF ) XXXX XXXX XXXX XXXX XXXX dba ServiceLink ( various shell corporations ) for fraud and impersonation as " XXXX XXXX '' ; " VA '' and " FEMA '' I am a victim of XXXX XXXX 's criminal enterprise FNF operated by several people who created numerous shell corporations acting under names of XXXX XXXX XXXX XXXX ( former XXXX XXXX XXXX, inc/DocX, LLC ) and ServiceLink which are incorporated by FNF trusted XXXX XXXX XXXX XXXX XXXX lawyer who holds about 724 jobs in various FNF shell corporations ; XXXX XXXX XXXX lawyer who holds about 487 jobs in various FNF shell corporations ; lawyer XXXX XXXX XXXX holds 607 jobs in various FNF shell corporations ; XXXX XXXX XXXX XXXX XXXX XXXX jobs in various FNFshell corporations ; lawyer XXXX XXXX XXXX holds 10 jobs ; XXXX XXXX XXXX 55 jobs ; and XXXX XXXX 607 positions. These six people, all employees of FNF, registered and operate 15 various ServiceLink companies in California alone My entire transaction called " VA Loan '' with alleged " Lender '' XXXX XXXX  was originated and processed by XXXX XXXX 's FNF in California, XXXX where his employees acting as XXXX XXXX ServiceLink posed as FEMA to place me under forced Flood Insurance to cause financial hardship and VA on whose behalf XXXX XXXX XXXX employees sent me various Notices and letter. 

XXXX XXXX 's FNF is also a claim processing agent for First American Title ( FAM ) - who deceptively sell bogus " Title Insurance Policies '' to homeowners via chain of sham conduits like Bell Title- which neither FAM or FNF are not going to adhere. 

On XX/XX/2022 someone sent me flagrantly fake " VA Partial l Claim " and " Modification '' acting as FNF 's ServiceLink in XXXX XXXX XXXX XXXX XXXX Ca. 

I submitted my Complaint with CFPB against ServiceLink demanding explanations and validation of this " VA Partial Claim '' To my surprise, this complaint made a detour to Fidelity National Financial , Inc. before it was purportedly submitted to ServiceLink.

On XXXX XXXX XXXX someone responded me purportedly from ServiceLink with absurd runaround. 

FNF repeatedly said that my Complaint does not belong to them XXXX XXXX and his FNF must explain to me and CFPB why my complain does not belong to them if ALL manipulations with my fake " VA loan '' ; fake FEMA Insurance ; fake " Servicing '' by Caliber and PennyMac ; and fake " Modification '' and " Partial VA Claim '' are all done by XXXX XXXX ; XXXX FNF and its six trusted employees XXXX, XXXX, XXXX, XXXX, and XXXX who send instructions to various XXXX XXXX  via secured messages from secured message which documents they need to send me; under glimpse of " XXXX '' and its " employee '' XXXX XXXX '' who is likely a ficitious name for someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TD BANK US HOLDING COMPANY
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:
they are saying I applied twice for a credit card and I did n't. then they refused to give me the card even tho I have good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a loan for {$5400.00} from XXXX XXXX after applying online. I was paying the loan via ACH drafts each month. I had to close the account due to issues and contacted XXXX to mail payment. They refused and attempted to still draft from closed account. I received emails from XXXX with my balance due of XXXX XXXX.The final email came on XX/XX/XXXX. I was unable to pay the full amount and the debt was sold. I began receiving main from Midland Funding stating I owe more than {$6000.00} for the same account. I was served for garnishment on the debt in approximately XX/XX/XXXX for which I requested proof of the amount for which they were stating that I owe. They merely sent a copy of the original loan amount of {$5400.00} and no records to show amount following payments that were made on the account. We went to Civil court on XX/XX/XXXX for which I had the copies of the emails with the amount that XXXX stated I owed. The Judge ordered me to meet with the Attorney representing Midland to try to reach a settlement without hearing anything from me. During this meeting, I asked how they reached the amount that they were asking and she could not explain. She tried several calculations to try to reach that amount and was not able to. She also did not have any records matching the amount that XXXX gave me prior to selling the debt. She then proceeded to say that the interest increased the amount. I then explained that Georgia only allows Debt Buyers to charge 7 % interest. And she explained that the debt was purchased from XXXX in XX/XX/XXXX. I then added that there was no way that interest caused the amount owed to almost double. She then gave me a Consent form offering a settlement amount of just over {$4800.00} and monthly payment of {$120.00}. She told me that I could turn down the offer, and go to trial but they will be seeking the full amount of {$6000.00} plus court fees if I lose. And she told me that even if I sign it does n't mean that Midland can not decide to come back for the full amount at anytime. I signed the consent to pay that amount after the attorney strategically threatened to get more money from me if I refuse this new amount. The new amount is even higher than the debt owed and I 'm not sure how she reached this amount either. I am filing this complaint because Midland filed for Judgment on a fraudulent amount, and no documentation or justification to support that amount. Also they use intimidating practices to gain agreement to make money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: LoanCare, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an Adjustable-Rate Mortgage on my home. My loan servicing was recently transferred 90 days ago from XXXX XXXX to XXXX. 

My rate and payment will experience its 3rd adjustment on XX/XX/2020. 

I called and asked them what I can expect XX/XX/2020 so I can prepare and budget accordingly, and they told me to wait. XXXX has failed to advise at this time as to what the new rate and payment will be. 

I am within 60 days of a payment change and they are unable to advise any information regarding this, which seems completely unacceptable.

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 2021-02-19
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PHH Mortgage has deliberately withheld payoff amount for the 2nd time, delaying our ability to get out of their high interest loan and refinance with XXXX XXXX! They did this last year, and we complained then as well. At that time they did finally send payoff amount, but delayed until after 90 days so lender had to deny. 

We have all other documents, loan is ready to process again with XXXXXXXX XXXX, but after formal request legally binding PHH to send payoff within XXXX hours, they have delayed and have not yet sent the payoff. 

We need to get out of this 10.8 % interest mortgage. 

Please help us if you can!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed recently that i had a {$1200.00} garnishment withdraw from my bank account. I have never received anything in the mail, from the courts, or any phone calls to indicate this old debt. After contacting the creditor listed through XXXX XXXX, I learned that they issued judgement for a Credit Card account opened in XX/XX/XXXX. Upon asking for further information they provided me with : the original household credit card open date, of XX/XX/XXXX said it was charged off XX/XX/XXXX and was simultaneously sold to XXXX XXXX on that same date. And on XX/XX/XXXX it was then sold to Jefferson Capital. I  have asked for information that dates back to the opening of original account. From what I have been informed and also read, it appears that even if this account is mine, the statute of limitations ran out in XX/XX/XXXX. The attorney that I have consulted with is associated with a cost of nearly the cost of the garnishment. So the next most affordable thing instructed to do was to be here, filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/XXXX, I filed a dispute with Equifax regarding a " hard credit check '' that was listed on my Equifax credit report. Obviously a " hard credit check '' stays on the report for two years, is seen by everyone accessing the report, and can negatively impact a credit score and have other negative credit implications as well. The " hard credit check '' had been conducted by " XXXX XXXX XXXX, '' a car dealer. The credit check was never authorized under any conceivable circumstances. Thus, as indicated, I challenged the " hard credit check '' with Equifax on XX/XX/XXXX, as an " unauthorized '' credit check, a dispute category provided by Equifax, even though I had contemplated challenging it as " fraudulent, '' another choice given to consumers by Equifax with which to categorize a disputed inquiry. Within two days, on XX/XX/XXXX, and without Equifax even investigating the matter, Equifax informed me that " Inquiries are a factual record of file access '' and that I would have to take the matter up with XXXX XXXX XXXX  if I wanted the hard credit inquiry removed from my credit report. In fact, as an aside, I had done just that a month earlier and been told by General Manager XXXX XXXX ( XXXX ) of XXXX XXXX XXXX  that the inquiry would be removed by Finance Manager XXXX XXXX. Regardless, for Equifax to state that the unauthorized inquiry is a " factual record '' is obviously redundant and states the obvious. That is why the dispute was filed in the first place. Of course the inquiry " factually '' occurred. Equifax is not licensed to allow fraud to occur to consumers ' credit reports with the aid of Equifax and then sit back and say " Well, it factually occurred, sorry. '' So on XX/XX/XXXX, I filed a dispute again with Equifax, this time calling XXXX XXXX XXXX ' " hard credit check '' what it was, a " fraudulent '' credit check by a car dealer. This time Equifax took mere hours on XX/XX/XXXX, to once again inform me ( Confirmation # XXXX ) that " Inquiries are a factual record of file access '' and, once again, according to Equifax, Equifax could just stand on the sidelines and say, " Sorry, the world can see now for two years the fraud, also that we were an accessory to, also additionally after the fact, and there is nothing we will do about it. '' Equifax of course could have added, " You see, the XXXX XXXX XXXX of the world pay our bills, not you, and so we will defer, as a matter of course, to XXXX XXXX XXXX  in this matter and not rock the boat. You will have to rock the boat to address this fraud. In the meantime, we will continue to be an accessory-after-the-fact to the this fraud '' The item remains as " hard credit inquiry '' on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Midwest Recovery Systems
State: NC
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:
Checked my report and there is a report from Midwest recovery for {$920.00} from XXXX XXXX XXXX. Never took out a payday loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX my husband and I received a call stating that we were late on our XXXX and XXXX mortgage payments. When I talked to a representative for the company they stated that since my husband had just completed his bankruptcy that we had to wait so that they could confirm all of the information and they would call us to let us know. However, before his bankruptcy was discharged on XX/XX/XXXX we had and have been on time with our mortgage for the last six months and I offered all of the confirmation numbers as well as all of the documentation from the bankruptcy courts stating that we owed our mortgage company {$0.00} however this month we received another phone call with the same statement and I have been transferred and hung up on with no help no solutions and no return calls. We are now at XXXX and they are stating that we are still behind when our XXXX payment was completed on XXXX. So I would like to file a complaint that they are trying to make us pay a payment that we do not owe as well as they will not allow us to talk to any department outside of collections. Pennymac is a HORRIBLE mortgage company and they have no clue what customer service is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear CFBP American Profit Recovery has been attempting to collect on two separate files that Ive disputed from day one. So Im hoping that with your assistance Ill finally be able to get closure with both accounts.
The first one is with XXXX XXXX and was place with APR on or about XX/XX/XXXX. I never hired them to do any work at my house. Over the years and as recently as XX/XX/XXXX Ive asked for the original signed contract and/or any documents supporting the charges APR is trying to collect or that would confirm I even hired them. As of today I was told that they still havent received the requested documents from XXXX XXXX. The 2nd account is with XXXX XXXX XXXX and was place with APR on or about XX/XX/XXXX. Although I did hire XXXX XXXX XXXX I have disputed the amount owed well before ARP even bought the account. XXXX XXXX XXXX charged more for the lawn service then was originally agreed upon and that they charged for 2 cuttings they didnt do, which I was able to verify by reviewing our security video. Ive requested the original SIGNED estimate and all invoice used to validate the amount they say I owe however as of today they have not been able to provide anything. Ive talked XXXX and XXXX at APR to inquire on the status of the documents and was told by both that there isnt a time requirement for the client to provide validation docs, how can this be? Without these documents how has APR been able follow the CFPBs examination procedures to determine my identity, the amount owed, whether any fees charged were permitted by contract, and the original creditor? Any assistance you can provide in putting this to bed would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Servis One, Inc., Titusville, PA Branch
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I held two HELOCs with BSI Financial, loan numbers XXXX and XXXX. I refinanced XXXX and sold the property associated with XXXX. In each case, BSIF withdrew funds out of my personal checking account after closing the mortgages. Loan XXXX. We closed on the refinance XX/XX/XXXX. On XX/XX/XXXX, withdrew the monthly payment as if the motgage were still active. BSIF stated the title company did not return the correct documents to them. The loan payoff had been received by the BSIF. I followed-up and sent the documents even though they were in the closing packet sent by the title company. BSIF subsequently returned the funds. Now, XX/XX/XXXX, a month later, another payment for the same account has been removed from my personal checking account.
Loan XXXX. We closed the loan on XX/XX/XXXX. I ensured the same forms were signed and included in the title package. Funds were transferred after the close of the sale and I received wired funds within my personal account same day. Now, XX/XX/XXXX, BSIF has withdrawn a payment from my personal account as if my loan were still active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted several disputes to Equifax advising that my address is not XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

My address is XXXX XXXX XXXX, XXXX, TX XXXX. 

Equifax keeps confirming that the address is valid and they are sending my personal credit report to an address where I do not reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Navient Solutions, LLC.
State: MI
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:
I have previously filed a complaint and the answer that you didnt dispute it sooner is not acceptable. They are saying when the loans went to them they were {$9000.00} but that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am homeless. I am trying to get my life back on track. I had an outstanding balance with Capital One. I was offered a settlement amount and I paid it. Since I paid it ; I would like for the entry to be removed from my credit report. There is no law stating it has to be there. My account is settled and I don't owe anything to the company now. Please remove the entry from my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reached out to TransUnion ( see dispute number : XXXX ) in reference to an unverified account on my credit file and I have not received a response.

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