BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently transferred from XXXX to LOANCARE. Since the transfer I have not been able to access my online account and calls to them just get discounted. 
They continue to route me to various departments and I am placed on hold and then the call gets disconnected. 
Also, I had requested information on a forbearance and was immediately placed into one despite only asking for information about the terms. I did not agree to be placed in forbearance.

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 2021-03-19
Company: Frontline Asset Strategies, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in XXXX, I learned that a collections agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, had place in account in my name with XXXX or more of the credit bureaus. On XX/XX/XXXX, I sent an email for verification of the debt to the collection agency. 

I did not receive a response, I then subsequently sent a follow-up email on XX/XX/XXXX, XXXX and learned that the collection agency blocked me from further contacting them by email. 

I have sense been trying to call them, they informed me that the account was being handled by one of their subsidiaries, XXXX XXXX XXXX. I reached out to to this subsidiary in order to try and remove this debt. For the most part, the communications have not been put into writing. 

I informed them that in an effort remove this debt as quickly as possible, I was willing to offer a settlement. At first my offer was accepted and payment was made by check on XX/XX/XXXX. A week later on XXXX, XXXX, I received a phone call requested payment again. I informed the company that I will not be giving my payment information twice and disconnected the call. 

I contacted XXXX, to dispute the debt but nothing was done, and they unwilling to provide what verification they received to include the debt on my account. 

I am reaching out to file this complaint because I feel that this company, haven't not provided verification of the debt and requesting double payment, is making an effort to obtain payment that it is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had XXXX XXXX account deleted last month and just two days ago it was re-added back to my account. I have disputed this account provided the correct paperwork and Equifax keeps adding accounts not mines or deleted accounts. 

I have also added my ID since they do n't have a copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: General Motors Financial Company, Inc.
State: MT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
gm financial hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to repossess a XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2021 at my home address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX i was not home at the time they left no paper work at all so i could not contact anyone. i finally got ahold of gm financial got the number XXXX i called the guy for XXXX left numerous messages, told i had the key, we played phone tag and i could not get ahold of him. my wife called to and left a message the XXXX asking them to send me the repossession paperwork and she also stated we had the key. i got a certified letter on the XXXXXXXX-2021statinf their would be a 50.00 handling fee and 5.00 fee a day for storage for 30 for unclaimed property. i called 0n XXXX-2021 asked for a prepaid envelope so i could send them the key i also stated i did not want any of the personel back a phone charger blanket and 2 camping chairs. i was than told they cut i key already and i would need to pay the 200.00 fee. i notified them i had the key and i am disputing these charges. they should have legally left me the paper work on the XXXX-2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: NCB Management Services Inc.
State: AL
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:
This company continues to report this negative account information on my credit report, without explanation. The company has failed to issue a notice of debt, nor debt validation information.This item should be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
XXXX refuses to properly report my mortgage account to the credit bureaus - although it is paid every single month, and has NEVER been late. Doing this has caused me to be denied credit - companies indicate that due to my not having real property/real estate on my credit file they can not extend me credit. However, I pay {$1500.00} monthly to XXXX - and get XXXX recognition of that fact. 

I have attached our most recent mortgage statement that does show that I am actually the primary on the account. 

XXXX claims that since I filed Chapter XXXX bankruptcy during the pandemic that they can refuse to report my paid as agreed mortgage - I do not see how this should be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Submitted a dispute regarding a collection listed on the report that was paid to the original creditor. The collection agency is stating the information is correct when it is not. I have submitted a receipt from the original creditor and it still is not being corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Money from my Chase checking account was fraudulently withdrawn twice while I had my card with me. My card was not stolen or lent to anyone. When these withdrawals occurred, I had my card with me and I was not near the area where these withdrawals occurred. I reported this to Chase, they opened an investigation and determined that the withdrawals were not incorrect and reversed the credits that were given to me to make up for the money that was stolen. I was told that I would have to provide proof that I did not make these withdrawals and said that video proof would not suffice. I spoke to a representative who said that there was nothing that I could show Chase that would demonstrate that it was fraud. I am completely stuck. 

The second time I called to ask why the investigation would be closed and the credit withdrawn, I was told that they would open the investigation again and was given no further information. A day later, I saw that the credits were taken from my account, so I called. I was told that the second investigation was closed within a day because I had failed to provide any proof that would show that it was fraud, but I was not told that I had to submit proof or given any information on where to send this proof. I don't understand why it was closed after a day when it is nowhere near enough time to even think about what exactly I can to begin to gather proof and the only proof that I could show, video from the ATM, I was told would not be enough because Chase would deny the claim and state that I had lent my card to someone. I was not given advice or tips on how to prevent this or what exactly I could do to demonstrate that I did not approve or went to the ATM to withdraw this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2021-03-19
Company: PNC Bank N.A.
State: VA
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: Problem with personal statement of dispute

Complaint:
When the rates lowered last year. I started applying to refinance my home. I spoke with over 20 lenders. Even though my credit score was over 700 and my LTV was 30 %XXXX I was denied over and over again. I spoke to the lenders who pointed out one issue preventing me from being approved. PNC bank had added a comment to all three credit agencies stating " Foreclosure Started ''. I agree that I was late in my payments on several loans due to divorce, however, I made great efforts to avoid foreclosure and bankruptcy. What I learned is those two words " Foreclosure Started '' is treated as the same as an actual foreclosure. I sent a letter to PNC on XX/XX/XXXX asking for this comment to be removed. PNC did not respond. I sent a follow up letter on XX/XX/XXXX. PNC denied my request to remove that comment on XX/XX/XXXX. PNC stated that my home was in foreclosure for 21 days and that they could not remove that comment. I believe this comment was purposely and deliberately put on my credit report to ensure I would suffer seven ( 7 ) years of inability to secure another loan. PNC even admitted that the loan was paid in full including fees. How can I be treated as a consumer who had a foreclosure when no foreclosure ever took place? The loan was satisfied. What reason does PNC have to punish me for 7 years as a borrower? Why is it protocol for every other lender in the U.S. able to deny me credit based upon a comment that doesn't tell the whole truth? I would like the CFPB to assist me in having PNC Bank remove a comment on my credit reports. This simple comment has the same power as an actual foreclosure or bankruptcy by denying me credit for 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Someone has an access on my credit report and it's ruining my credit while I was sick. I don't know who this could be

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 2022-04-11
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Previously i submitted a complaint in regards to identity theft and accounts that I have no knowledge of. Experian responded that the accounts I listed were not accounts on my credit report. After checking, these accounts are still on my report and currently reporting. How was this error overlooked. This needs to be investigated because it was not investigated at all in the first complaint. Very disappointed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13
Company: Alliance Group & Associates LLC
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was called on XXXX XXXX on a debtor in the amount of {$4600.00}, and must pay in full or make an agreement to pay installments of {$100.00} a month until the balance is in full. I did my research, looked into my credit reports of any negative balances, collections and or debts on file, and there is no derogatory balances in my report. I did further research to call the banks, XXXX XXXX XXXX XXXX XXXX and Pennsylvania and both did not see on file the account number or my SSN or debt on file. This company in XXXX, SC is and has done ID scamming upon me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19
Company: WSFS FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I try making a purchase online after speaking to a customer service rep.who directed me to do so, since they do not do phone orders ( The company name is XXXX, ) tel # XXXX.My purchase did not go thru and I was prompted to try again, I tried the purchase a second time when then it was successful ( The items purchased was a package on sale, which is a 330 watts power station and 100 watts solar panel, that cost {$390.00} with insurance of {$12.00}. to total $ XXXX purchase was made on XX/XX/XXXX around XXXX XXXX. 
I receive a text and an email from my bank ( WSFS on the same day around XXXX XXXX I responded to both first the text and the email. The email from my Bank ( XXXX ) states that there were ( 5 ) items purchased between XX/XX/XXXX to XX/XX/XXXX ( 2 ) Two of the items stated was two purchases from XXXX for ( {$400.00} each ) In that email I was asked to click one of the two statements asked, One asked ( All transaction ( s ) Authorized and the other ( One or More Transactions ( s ) NOT Authorized I clicked on - '' One or More Transactions NOT Authorized " I also called the Bank and spoke to a supervisor, who agreed to place a dispute on the one item, I also contacted the Merchant Rockpals that evening around XXXX XXXX Delaware time, I left a message as there was no one to answer, I called back on XX/XX/XXXX and I spoke to CSR who again confirmed that there is only one order, I followed up with the bank on XX/XX/XXXX, XX/XX/XXXX and again today XX/XX/XXXX to learn I was charged again overdrawn fees, ad the bank said they will refund those fees, however I must make a deposit to cover the overdrawn amount, until the dispute is resolve, which can take from ten to thirty days. 
I made a Payment to the IRS after I Transfer the amount need to cover the payment, the bank inform me today, I will be charged if I dont deposit money in the account. I will be filing a complaint against the merchant with the FTC. I have no issues with my Bank, other than not resolving this matter quickly, since they were the one who realize that the transaction, was not authorize, and also with me ( XXXX XXXX, responding the same day via email and telephone calls speaking with two supervisors, ( Supervisor XXXX is the one who is handling this matter )

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 2022-04-11
Company: ERC
State: FL
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:
Recently I decided that I wanted to review my credit due to my interest in purchasing a home within the next 2 years. After carefully reviewing my credit report I saw a lot of things that I have no acknowledgment of. Someone stole my social security number and opened accounts in my name. There were even address from Georgia and Ive never even been in that state before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a foreclosure remaining on my credit report that has expired many months past the last payment date and actual conclusion of the non-judicial foreclosure date. XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). The date of the last payment was XX/XX/2016, and the non-judicial foreclosure occurred XX/XX/2016. Please remove from my credit report as the XXXX year reporting period has expired.

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 2015-09-26
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Late fee

Complaint:
Closed my account at Barclay 's because they are unable to process my bank payments ( although no other companies have this problem ) Called every month since XX/XX/XXXX to try to resolve issue. They say they will take off late fee and I should only pay 'x ' amount. I send in a check and pay the amount and they charge me for not paying the late fees. Now they are charging me late fees on the late fees in addition to a minimum charge. 
XX/XX/XXXX : called and was told balance now XXXX + previous late payment charge. Agent said they will take away late payment so final payment is XXXX. Check sent for {$14.00}. 
XX/XX/XXXX have bill of {$58.00} all late feesXX/XX/XXXX, XXXX : called to resolve problem, phone system not working at Barclays any of these numbers XXXX ; XXXX ; XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-25
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to report an illegal practice by Fay Servicing XXXX XXXX XXXX XXXX Texas XXXX. For the last several months Fay Servicing has been claiming that I did not make payments in XX/XX/XXXX and in XX/XX/XXXX. I have provided them with bank statements and cleared checks but no one is talking to us or taking care of the issue. I have engaged a Hud certified housing counselor and legal aid but so far they have not been able to help due to Fay Servicing not responding. Even their own records show that I paid the mortgage in the months they claim. I am really frustrated as it seems there is nothing anyone can do and Fay Servicing is doing whatever they want without rules. Back in XXXX, they sent us an Intent to foreclose even though we were current by the bank records. Now they have stopped excepting our payment based on that false and unsubstantiated claim of default. To date, they have not been able to provide documentation that proves the claim. Even their own loan payment web site contradicts their claims but no one is taking care or wants to resolve the problem. It seems that they want to foreclose our house at whatever cost, whatever way. This is a disgrace as I am a military veteran and even though we are paying our mortgage, my spouse and I may become homeless and watch these people steal the house illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: Ocwen Financial Corporation
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received XXXX to the XXXX in XXXX 2011. We started the process of listing our home for sale and were unsuccessful. In order to attempt to be compliant with our XXXX XXXX report date the agent and lender advised on attempting a short sale. In order to start the short sale process we had to show hardship and stop payment for several months. Prior to our departure of XXXX XXXX we had late payments past due and no clarification on a short sale. Over the course of the next year we were advised to apply for a deed in leiu. Obviously during this time our credit rating was destroyed and on final outcome our home was given back with an appraisal of more than XXXX less than purchase price XXXX years earlier. As I am returning to the states in a few short months we are trying to purchase another home and are having trouble. I have just now learned of a retro action from DOD HAP that may assist our past situation. Unfortunately i do not recall receiving and information about actions via mail as nothing was formal and may have appeared to be " junk mail ''. In short my service requires my family to move short notice and has caused financial hardship over the past years.

Company response to consumer: Closed with explanation