BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-08
Company: Caliber Home Loans, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had a XXXX mortgage with XXXX Mortgage and had a XXXX with HFC/HSBC. Did a consolidation of the XXXX and XXXX in XXXX with XXXX which turned out to be a fraud predatory lenders loan. Even though this loan almost put me and my wife into bankruptcy in XXXX XXXX, and XXXX file foreclosure in XXXX XXXX. On XXXX XXXX me and my wife send XXXX XXXX XXXX a letter in pursuant to Section 6 of the RESPA. 
Demand was made for all records electronic or otherwise, assignment of ours mortgage, promissory note or servicing rights to our mortgage including any such assignment on MERS. 
All deeds in lieu, modification to our mortgage, promissory note or deed of trust from the inception of our loan to the present date. 
The front and back of each and every canceled check, money order, draft, debit or credit notice issued to any servicer of this account for payment of any monthly payment other payment escrow charge fee or expense on this account.H XXXX did not send us the proper answers back for our request. 
Me and my wife chose to go through the state of XXXX foreclosure mediation program in XXXX XXXX and out of the mediation XXXX agreed to do a short pay off of the mortgage to us for a {$150.00}, XXXX out of the {$330000.00} that we owed with no deficiency. XXXX refused to refinance the loan and Our credit was ruin because of the foreclosure procedures that we had went through. On XXXX XXXX, XXXX we received a recorded release of deed are canceled mortgage from the documents released administrator in referenced to about loan # XXXXhas been paid in full through our company. XXXX XXXX Mortgage. Also enclosed in the papers was a Substitution of Trustee and Deed of XXXX. This was recorded in the XXXX County Courthouse recorders office given XXXX XXXX XXXX and XXXX XXXX XXXX husband and wife as joint tenants with Right of Survivorship. 
( Inst # XXXX ) We also have the original Deed of trust ( security instrument ) Have not made mortgage payment since XXXX XXXX XXXX have sold the loan to caliber home loans in XXXX XXXX. 
Have a recorded document XXXX County from caliber home loans notice of breach in default and election to sale inst # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Rossi Law Offices, Ltd
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was in a motorcycle accident and had to go get a XXXX. I was not supposed to be charged this copay at all ; but was due to a clerical error. As I was unaware of the mistake the billing company made and so it was sent to collection. I sent the collection agency a copy of the statute proving I should not have been billed and a letter asking them to verify the information over a month ago. They never replied to me. Instead of removing the information from my credit report as they are required to do un der the FCRA ; they changed the creditor name to N/A. They are also reporting the same XXXX dollar copay XXXX times ; each off by a few dollars a few digits in the " account '' number they reported. Their XXXX and only motive for doing this is to cause my credit score to drop and to harm me. I am happy to send you copies of the correspondence if this helps in your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Lewis, McDonnell & Associates
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call from a woman claiming she had documents to serve to me. She wouldn't give her name, the company she was calling from, what the papers were in regards to. She had an account number and a phone number, which I called. Upon speaking with XXXX, it took prying to discover that this was Lewis, McDonnell and Associates. It didn't take much for him to imply that this was a law firm. They claimed to be serving court documents and that I would be taken to court. After some time I spoke with him and eventually got a settlement offer. I paid about 1/4 of the settlement and agreed to pay them by the end of the month. After digging, though, I found that their address leads to a XXXX store somewhere in California. Their website is misleading, as it's essentially a template. While I do acknowledge this debt was something I owed at a horrible time in my life, I do believe I was purposely misled by this company with their use of scare tactics and misinformation. This complaint was filed almost a month ago, but here are some updates. Upon digging, this company barely seems to exist. Their website is, as mentioned,
basically a poorly edited template designed to give them just the slightest online presence. Other than that, their P.O. box leads to a XXXX store and they claim they're not required to give you an address. They throw around words like " legal administration, legal documents, paralegal, etc. '' Just how legal their documents are and just how licensed the " paralegal '' I spoke with is remains dubious at best.

But, as their reply noted, " at no point ... did our representative say our institution was a law firm. '' But they make it sound like it is, at the very least, a legal department. Which is misleading.

On top of this, this company is not licensed with nmls consumer access. At least not under any of the names they gave. Again ... misleading. It's illegal to try to collect debts in Maryland without a license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Via utilization of my XXXX store card ending in XXXX, issued by Comenity Bank, I purchased an article of clothing in the amount of {$21.00}. As the item proved too small, I returned it for a refund which - per the attached - XXXX  credited to my store account. 

In an effort to accommodate Comenity Bank, I had agreed to go " paperless ''. Unfortunately, I never received an ( e ) statement - perhaps it went into Spam? - and so my account went into past due status. On discovering the problem, I contacted Comenity Bank and agreed to a direct transfer of funds in the amount of {$22.00} - which included a small amount of interest - to settle the account. Subsequently, my bank - XXXX XXXX - made the transfer from my account ending in XXXX on ( or about ) XX/XX/2020. 

I've now received the attached letter from Comenity Bank stating it can not issue me a new store card " due to the status of your ( my ) account ''. Thus, they are denying me the {$21.00} credit balance - via the refund from XXXX - on my store card. Irrespective of Comenity Bank 's insolence, I am entitled to the credit balance on the account ending in XXXX. What's more, I feel I am entitled to some reasonable amount of damages. 

( Fyi, I just finished applying for a mortgage loan. In that process I learned my XXXX  score is XXXX. One doesn't merit such a high score if you don't pay your bills! )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: CA
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:
I sending this information I found on my credit report is wrong this is not something I did on that time or dates are incorrect this is complete wrong

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 2015-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1 ) Debt collector placed negative information on consumer 's credit reports without notifying consumer. 2 ) Debt collector has not validated such debts under Section 803 of the FDCPA. 3 ) Debt collector is re-aging accounts in an attempt to keep them on consumer 's credit reports longer, and 4 ) Debt collector is calculating and reporting amounts different from those of the original creditor ( s ). Please see corresponding complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX is reporting a fraudulent account XXXX {$270.00} on my credit files. I have filed a cfpb complaint against XXXX and uploaded the FTC Report # XXXX for their records. Also, attached is my license, utility bill, and ssn card to verify and process my block and delete request of this fraudulent account. There are fraudulent inquiries as well on XXXX  and XXXX  that are list in the FTC report. I have never had any business relationship with XXXX XXXX XXXX or the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: CA
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 received a copy of my credit report and found the following item ( s ) to be errors

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 2015-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I originally filed a complaint against Portfolio Recovery Associates on XXXX XXXX following their refusal to properly validate an alleged debt in my name. In the time since, I have disputed the debt with the XXXX major credit bureaus, I have filed complaints against Portfolio Recovery with both the CFPB and the XXXX, and I have directly communicated to Portfolio Recovery their violations of FDCPA legislation. They continue to not take this matter seriously. Although I have decided to move forward with legal action against the company in Federal Court for the District of New Hampshire, I still want the CFPB to be involved in this matter. The CFPB has already had significant dealings with Portfolio Recovery and it is important that the Bureau be aware that Portfolio Recovery has not made any meaningful changes to its business practices as they relate to compliance with established federal law. 

As of the date of this renewed complaint, Portfolio Recovery has failed to offer me any validation that this alleged debt belongs to me, that the amount they are claiming is accurate, or that they as an organization even have legal authority to attempt collections on this alleged debt. At one time, they mailed to me an old credit card statement that actually showed a {$0.00} balance with no reflection of the amount they are attempting to collect. Additionally, in their written response to my prior complaints, they promised they would perform further research and deliver to me more detailed documentation. I have yet to receive any such paperwork. Meanwhile, in defiance of federal law, Portfolio Recovery continues to regularly update this account on my consumer reports which is causing harm to my credit rating and limiting my ability to obtain new credit. It is a well-known fact of credit collections activity that this is a tactic used to frustrate consumers in an effort to entice them to pay a debt simply to improve their credit rating. I WILL NOT FALL VICTIM TO THIS TACTIC. Plain and simple. 

Finally, not only is this an un-validated debt, their reporting of this debt to my consumer reports is riddled with errors. They report themselves as a traditional " revolving '' account rather than as a " collections account '' as they are supposed to. And there are other errors, as well, which my lawsuit details. Please see attached documentation for evidence of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
We have been paying first XXXX XXXX now Navient since 2005. We have XXXX daughters that went to different colleges and we tried to consolidate these loans at the lower interest rate and we never heard from anyone. We now have 8.5 interest on our remaining loans, which, at present are in deferment, as I have had an accident and can not work. I believe the way they determine the lost interest is incorrect as it seems the balance we owe never goes down. The statements they send are very confusing for the layman.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Payment requested from XXXX  was for XXXX on XX/XX/XXXX. Payment was made on XX/XX/XXXX which is less than 30 days from the original payment due date. No answers provided by XXXX  about why being 24 days late results in a 30 day delinquency. Online system requested {$290.00} and {$290.00} was paid. no issues online indicated that less than the minimum due was what was paid. If there was a " late payment '' for being paid after the due date, being issued on XX/XX/16 then there should be 30 days from the date of the notice prior to that being the issue for being late. at no point was any fee or amount to be paid ever 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion deleted XXXX Mortgage account # XXXX and XXXX account # XXXX then placed them back on my credit report.

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 2021-07-30
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
On -- -- -XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Add a situation back in XXXX to XXXX where I had a XXXX XXXX sonata it was supposed to be renewed tag it was in the same month as my birthday I was pulled over by an XXXX. The day before I had seen my judge he lifted a warrant that was placed on my name for not paying a restitution fee, the story goes deeper and its all a bunch of misconscrewed governmental shagovernmental showcasing around me and my parents lifes. I had had the judge signed the warrant to be lifted he agreed he ended up going on vacation. After my judge left for vacation sigrn the warrant, released me from the courtroom I was driving downtown on a tag that was inspiring the same month it's about 6 days after my birthday The same morning a mom told me to wait towards the end of the month to pay with doing kind of bad financial I'll waited the XXXX I told the XXXX the same thing I told him the warrant was cleared he told me it wasn't just to put me through the situation after reading my background discriminating against me seeing it was a day before XXXX and I'm XXXX also it's also because I realize it's an algorithm against people of XXXX or minority. So I began to notion to the cop to contact my older brother who lived XXXX minutes away from the location to pick up my vehicle but he never did! Another cop was there for eye witness they just want this kind of situation to occur to waist time and another oppotunity to digrace their jobs. So he ended up arresting me repossessed my car after explaining The war was cleared my brother lived right there it was the same month and it was a day before XXXX this discrimination at its finest. XXXX. Down to the decibal. Deficit. Ressession. XXXX. Famine. XXXX is the governs stem. Couldn't find out what my car was being incarcerated is a nightmare After trying to argue your point they just bounced you around from sale to sell whatever hours of whatever night just to be does to be arrogant I was wrongfully arrested now there's a repossession on my credit {$13000.00}. I couldn't find out where my car was at nor have my brother called them he didn't have the information from the cop I want the cops file pulled out of the other cop that was with him file pulled arrested or fired. After being in jail for 45 days I found out that they could only hold my car for 30 days all my belongings we're in there they had to put it for auction it was all against my will I was paying regularly waiting for XXXX and I was approved for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Navient Solutions, LLC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  2017 , Navient formally   XXXX   XXXX   repo rted incorrect information to all  XXXX  credit bureaus causing and major drops in my scores. Trying to correct an issue with this company is impossible. The school that these loans were used filed bankruptcy, should n't there be something I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: The Bureaus, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with Wells Fargo back in XXXX. It went to collections and I paid them off in XXXX for $ XXXX. Now I am getting calls from XXXX ( XXXX XXXX XXXX stating I owe them over {$3000.00}. They are also calling my mom, brother and husband. I searched the number and it is pulling up scam and fraud. They told me they never received my payment and they have sent me two letters about this. I have never received those letters where I reside now. They are stating I am going to have to go to court to dispute this info. They also asked me to call them back at XXXX ( 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 explanation