BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-13
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Unfortunately my husband who paid all the bills and took care of all finances passed away unecpectedly XX/XX/XXXX. Prior to that XX/XX/XXXX he went to a debt consolidation company which we thought was legit. We signed the agreementa and made the payments. Unfortunately after his death, I had to seek a probate lawyer because he died without a will. She explained their practices and at that time I found none of the payments had been applied to the credit cards which meant all were already in default. She suggested I make a settlement with the credit cards. I did so with the XXXX I thought I had and had contact with. This credit card company has not made any claims to this debt until now over 2 years later. I look on XXXX and it shows XXXX balance so I assumed it was the XXXX I already paid. The only reason I found out is I have been trying to bring my credit score up and I constantly look at credit karma. There was an open collection listed on my report for Calvary Portfolio Services. I have since learned it is a debt collector for XXXX. I did make a XXXX payment to XXXX on XX/XX/XXXX which I thought settled everything. To my horror this is another account. I have ripped the house apart for any type of paper trail on this account and I can not find one piece of paper. We were in desperate financial trouble at the time of his death so I am not doubting that he opened this card. Once he passed I had no acces to any account info because it was on his work laptop which was siezed XX/XX/XXXX and I had no way of getting in it because of security measures. I did speak to Clavary today and requested account info but looking on XXXX it shows the acct closed collection/charge. 
I honestly thought I was climbing out of this nightmare until I got onto XXXX. I have been getting XXXX # calls but the lawyer said they can continue to call so I assumed it was what I thought was paid off. How can a company do this? It just destroyed my credit history that I have worked so hard scraping and scrimping to repair? I am desperate for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27
Company: Viking Client Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calling my number with an automated phone number. 
I have never been able to talk to a real person. 
I do not owe any outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We completed a trial modification in XX/XX/XXXX that we were offered through Select Portfolio Servicing. SPS took 90 days to finalize the modification and then changed the terms of what we were offered in the trial. We were offered a Home Affordable modification. SPS sent a letter stating that they offered that incorrectly and offered an in house modification. We submitted 2 more payments in addition to the 3 trial payments in XXXX and XXXX. SPS sent us permanent modification documents and requested we return them by XX/XX/XXXX and the first payment would be made on XX/XX/XXXX. We returned the paperwork and made the XXXX payment. We are waiting for SPS to finalize the modification. We requested principal forgiveness because the house is not worth the amount of money. XXXX XXXX is the noteholder and is refusing to honor principal or interest forgiveness. SPS did 3 different appraisals. In XX/XX/XXXX, the house was appraised at {$440000.00}. In XX/XX/XXXX they appraised the house at {$740000.00}. The house could not have gone up {$300000.00} in 6 months. We received a notice that there is a status hearing on XX/XX/XXXX at XXXX. We have submitted all this paperwork to the court. Now we may have to have the additional expense of hiring a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
About 2.5 years ago we could not afford our mortgage payment. We requested a modification. They asked for a mountain of information and we provided it all. 2.5 years later we have not made a payment and they have not foreclosed. We are in fear any day we could be kicked out. We need a resolution. Either they foreclose or restructure our loan. My name is XXXX The lender is Select Portfolio Servicing. Our loan number is XXXX Their phone number is XXXX We

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is with Bank Of America. I requested a mortgage modification several months ago to bring my mortgage current. My modification being processed and there is a property foreclosure sale date set for XXXX XXXX. I received correspondence from the Foreclosure attorney stating the property foreclosure sale date. I have done some research pertaining to the foreclosure statue for Tennessee. XXXX Tennessee Code Annotated T. C.A. 35-5-107 & 35-5-106 states the homeowner is to receive by mail 30 day notice prior to the foreclosure. The Foreclosure correspondence is dated XX/XX/2018. I received the Foreclosure correspondence XX/XX/2018 by mail. 


Please assist me with maintaining ownership of my home. I don't want to loose my Home!!!!!!!!!!!!!

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 2023-08-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX/DEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I made my XX/XX/XXXX mortgage payment on XX/XX/XXXX. The payment was in the amount of {$450.00}, of which {$350.00} was to be applied to interest and {$100.00} to principal. On XX/XX/XXXX they applied the entire payment to principal then after XX/XX/XXXX they proceeded to call me daily that I delinquent on the mortgage. I have tried to rectify this since XX/XX/XXXX by emailing and calling them almost daily. They then reversed the payment and applied it all to interest. Again even after numerous calls and emails they still are not applying the payment correctly and as a result I have been over charged for interest because they did not retroactively apply the payment with an effective date of XX/XX/XXXX. I have sent 6 emails to try an get this fixed to which I have never gotten a response except to say that they received my email, I have called no less than 5 times and there is never a Supervisor or Manager available to talk to. They take my name and say they will call back but they never do. I should be due for my XXXX payment and as of today they have made even a bigger mess by reversing and re-applying the payment again to interest and their systems now shows I am due for the XXXX payment which is incorrect. It's simple servicing, so I am at a loss as to why this payment can not get applied correctly.

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 2016-09-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Sale of account

Complaint:
American Express lost its business relationship with XXXX, and the consumer was forced into doing business with XXXX moving forward. Prior to this merge I had a dispute that was submitted with American Express against a merchant that could not deliver ( after multiple opportunities ) on what I contracted them to provide. After providing American Express the information in the dispute and a short period of time, my account was credited the disputed amount and the matter closed. A month later my relationship with American Express ended with the end of their XXXX arrangement. A few months later and with my XXXX card this disputed amount mysteriously appeared on my statement! This was not a charge that was authorized on my XXXX card! It was a charge on my American Express card and the matter had been closed, as well as, my account with American Express was closed. Because of the account closure I was unable to discuss this fraudulent charge on my XXXX with American Express, I was directed to talk to XXXX. I have been back and forth dealing with a closed dispute with XXXX and a fraudulent charge that was NOT authorized by me. I have explained to XXXX that this is XXXX separate accounts, and no one is authorized to put charges on my card except for me the authorized user of this card! XXXX would like me to believe that the businesses merged and my account is with XXXX and that XXXX just took it over from XXXX, NOT American Express ; nonsense! Credit card relationships are unique to that credit card provider. American Express, and XXXX are separate business entities with separated agreements and terms and conditions. When American Express closed the account my relationship with them ended on that day. Any past disputed charges should be between American Express, the merchant, and myself ; not between a new credit card provider and a past closed dispute. PLEASE 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 explanation
Consumer complaint received 2016-09-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I been getting a {$2.00} dlls charge from a Macy 's card but mY balance its XXXX {$0.00} for about 3 months that I have n't used the card.

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 monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
I have been working on repairing my credit and I'm running into various issues. My first is with equifax. Equifax states that " closed accounts stay on your credit report for up to 10 years since the date of last activity and negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. '' Due to several equifax data breaches I have free access to myequifax.com to monitor my report. Recently, I have noticed that all my adverse accounts are missing the date of last activity which is an important part of my report according to their own wording. My accounts in good standing and recently paid off debt shows the date of last activity, but my negatively impacting account are all missing this date. It appears that the creditors or equifax have purposely chosen to omit this date so that I will never know when the debt will be removed and so the length of time the debt remains on my report can be manipulated. I also have no way to prove how long the debt has been on my report since equifax only allows me to review up to 1 year of past reports on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Rocket Mortgage, LLC
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
RE : Predatory Lending Practices XXXX Loan ( XXXX XXXX Dear Consumer Protection Agency, I purchased my first home in 2007 in XXXX Virginia. As I am now speculating that I may have been a victim of predatory lending practices being approved at a high interest of 6.37500 % for 30 years. 
For the last two years or more, several unsuccessful attempts at a mortgage loan modification have been attempted. The last attempt at a mortgage loan modification has been especially painful with Quicken Loans for the last four months to be told that I have to wait until XXXX. All of the necessary documents were sent to them Quicken. All of the necessary documents were reviewed. They requested that I open a new credit card line, charge on it, and pay ... ..and I did. 
Through all of this, I have also been told that I should have been in direct contact with my loan servicer, XXXX owns my house. 
I can not say how tired of the run around I am getting now as a possible victim of predatory lending practices. I am writing a little desperate for help and guidance as the suspected outcome of all of this should be a loan modification with a lowered interest rate that might in turn drop my monthly mortgage on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: EVERBANK, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was foreclosed on XXXX/XXXX/XXXX, today ( XXXX/XXXX/XXXX ) the mortgage company " Everhome Mortgage Co '' reported the forecloser on XXXX/XXXX/XXXX. This info is wrong and I have the sheriff sale paperwork to prove that. They are a horrible mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was sent a letter by Chase Home Finance stating that they was canceling the entire amount i owe on my mortgage loan and that I owe nothing more on the loan. I also was sent a copy of a Corporate Deed of Release from Chase that went to the City goverment for recording. I called Chase they told me I owe nothing else. I received several phone calls from representive of Chase telling me they made a mistake. Chase had been telling me all year that they made a mistake after sending me letters after letters of false hope while waiting a loan modification. At the same time they sent me the letter stating i did n't owe anything, they told me my modification was approved and that they reversed the cancelation of morgage dept. I have copies of all the letters sent by Chase this year including the corporate deed of release and escrow letter stating that I have XXXX in escrow and that they were sending me a check and later to be told that they made a mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I notified Chase that I did not wish to have any contact with XXXX, their rep changed my due date from the XXXX to the XXXX which will never work, but Chase claims it is my fault. I ca n't catch up this at this time which they were notified of. My credit has been affected by this, I advised the due date change came from AES not me, I can lose my job over this and plus I have a medical bill to pay. I want my courtesy credit report due to the fact that AES changed my due date. I CAN NOT CATCH UP THE ACCOUNT AND IT IS NOT MY FAULT THAT AES CHANGED THE DUE DATE, I do not want my letters or phone calls from XXXX or Chase on this loan because they know why it is late because I them numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am discovering that a HUD was created after closing with XXXX XXXX on XXXX XXXX XXXX and also learned that there is prior contamination to our property not disclosed to us at any point and time. Ever since we bought this house we have had so much fraud on almost every account we have. My XXXX and XXXX accounts have also been hacked into and I have since learned that quicken loans owns both of these companies. My biggest concerns are why there was a HUD created 9hrs after closing documents were signed me and XXXX XXXX. The stress from this entire process has caused so many problems in our marriage that we are no longer even living together. After almost a full year we set up auto draft with quicken loans in XXXX XXXX. XX/XX/XXXX-XX/XX/XXXX pulled with XXXX issues but in XX/XX/XXXX I got a phone call from someone claiming to be quicken loans stating our payments were now coming back invalid. I called my bank and they read the numbers to the rep with quicken loans and discovered a number was now missing from the account number. Now quicken loans claims that never happened and instead numbers were swapped around. Either way it happened it should have never even happened with an account prevoisly set up on auto draft and not having prior issues in the months prior. I asked for copies of my escrow checks and the rep XXXX denied me access to these checks and said I did n't have good reasons to request these checks. Now the EPA is claiming their is a criminal investigation for fraudulent sale of the property and that i should have been given a disclosure at closing about what the land was previusly used for. I can also not find a release of lien on a mechanics lien filed with XXXX county in XX/XX/XXXX and I can only find a partial release

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 disputed inquiries in the past and even recently and they are still reporting! I have become a victim of your credit inquiry issue were put on my credit report I have no knowledge of. I have no reason to apply for anything, my information has been compromised several times from bank cards, ssn, etc. and now people are apparently applying for credit with that said information. I have an XXXX XXXX account given to by the government for the misuse of my compromised information I can provide along with the XXXX breach and fraud on my debit cards for the last 2 years. 

Cap 1 - Inquiry from XX/XX/XXXX Cap 1 - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX, XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXXXXXX XXXX - XX/XX/XXXX ^ notice no debt has or will be established with any of these creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been disputing a debt for many years with Portfolio Recovery Associates. I decided rather than dealing with their incorrect reporting and trying to resolve the issue with a company unwilling to ethically work with a consumer, I would pay the full amount they were collecting. I submitted a payment for {$1000.00} that I was told I owed since 2013. They withdrew only {$1000.00} from my bank account stating that they are not allowed to withdraw more than I owe and after further research the amount was different than what they had been trying to collect. My credit reports have shown the incorrect amount since 2013. The amount they had been collecting has been reported incorrectly for many years and has been disputed with all XXXX credit bureaus and verified with the words " Dispute resolved ; customer disagrees '' and " Consumer disputes after resolution '' added in the comments on my credit report.

Company response to consumer: Closed with explanation