BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Velocity Portfolio Group
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I did not receive a single notice about a debt that is attempted to be collected, was served legal papers suing me without notice, and is charging me more than what I owe and tacking on legal fees. Yes I messed up and take full responsibility for my failure. Now I get a court summons and have to figure this out as I go. Also I just learned they can not contact you at work and they called my work phone and harassed me at my job demanding I speak with them about my debt even though I stated this is my work number and I was at work.

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 2023-01-24
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Filing under the limited waiver prior ( XXXX ) to the XXXX deadline in XXXX my loans were transferred to Mohela from XXXX as part of the PSLF program. I submitted one form from my employer to certify payment made between XX/XX/XXXX and XX/XX/XXXX. This was ignored and I was told to submit again. I did so. 2 payments were credited to my account. After spending a day on hold I was told that the other payments would appear shortly. In XXXX a message was posted to my account showing that counting of payments had begin. It is almost XX/XX/XXXX. Im still at 2 payments. I dont understand why this is so difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
After carefully reviewing my credit report, I cant understand why all this unauthorized inquires that are reporting on my credit report. Please remove all and delete. 
XXXX. XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE : XX/XX/XXXX. 
XXXX. XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE : XX/XX/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
Consumer complaint received 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/2023, I was made aware that my loan servicer, Nationstar Mortgage, dba Mr. Cooper had been reversing the mortgage payments that they were servicing on my behalf. The payment at least 5 times in one business day. After inquiring as to the reason why, said mortgage servicer could not provide a plausible explanation as to why they were reversing the mortgage payments. Even though, I pay my mortgage payment 15 days in advance prior to its due date, the aforementioned loan servicer showed that my account was 2 payments past due, and because of such, I received a foreclosure notice from said lender indicating that my home would go into foreclosure if the payments were not made. In addition, I also noticed that the payment history and multiple reversals on the mortgage account did not match my bank statements. Therefore, it is for this reason that I am asking that the CFPB investigate the forementioned company Nationstar Mortgage, dba Mr. Cooper in order to determine if other customers are experiencing the same issues in which I have. In closing, it was only after my multiple phone inquiries and threat of a lawsuit that my payments somehow reappeared the following business day showing that the aforementioned payments had been applied and the account reflecting the correct due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: AMERICAN HONDA FINANCE CORP
State: OR
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:
Honda Financial reported to the credit bureau that my payment to them was more than 30 days late when it wasnt. I have sent them bank statements and screen shots of the payments I screen shots of the information provided to me be their system for my account. They have not made any attempts to call or email me back. I have spent hours on the phone with Honda Financial requesting to speak with a supervisor. I keep getting told they will have a supervisor call me back but I have yet to be called by one. My first call to Honda Financial was on XXXX and I have called many times since to try and get this resolved. I have never missed a payment with them in the past. I really need the late payment remark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
It was a fraud in my business checking account I notified the bank on XX/XX/2023 was {$63.00} in two business days they reverse amount of {$14.00} first they told me its gon na take 60 days for investigation after 60 days they told me its gon na take 90 days now its five months its still under investigation Im still missing amount of {$49.00} and its been over five months every time I contact them theyre telling me its on the investigation this is the claim number XXXX and this is the phone number I called ( XXXX ) XXXX its Bank of America bank

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I came to the citizen bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to close my account. I had over XXXX in the account. They told me. They cant not give me the total amount in case. I have to take XXXX cash and a bank check and if I want cash I had to call a week before. In the back its non information online or at the back this this information. The reason I cancel the account is because I had an emergency. As bank I should be able to get access to full amound.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: RoundPoint Mortgage Servicing LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage was sold to Roundpoint Mortgage Servicing, LLC on XX/XX/2023. I paid my XX/XX/XXXX payment on XX/XX/2023, through my bank at XXXX XXXX bill pay. I paid my XX/XX/XXXX payment on XX/XX/2023, through my bank at XXXX XXXX bill pay both in the amount of {$1300.00}. Roundpoint states they have never those payments. I have contacted Roundpoint by phone and I have emailed Roundpoint on 14 different occasions starting on XX/XX/2023, through XX/XX/2023. I have spent hours on the phone, emailing ( XXXX and XXXX ), and going to my bank to get acknowledgement letters of those payments then emailing those acknowledgement letters with no response ever to this date. The only calls I get from Roundpoint every day is to tell me my mortgage payments are late and they have dinged my credit report on several occasions. I have done everything Roundpoint has asked me to do to prove I have made these payments and I have never received a response. 

Please help me get these payments acknowledged, remove past due payments and correct my credit report. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Convergent dated XX/XX/XXXX on XX/XX/XXXX, for an outstanding debt for a XXXX account that I never opened. I believe I am a victim of identity theft and have been trying to rectify this issue with XXXX directly. I reached out to XXXX asking for proof of substantiation, in which they forwarded me via phone call to a separate debt collector, XXXX group. I mailed a letter sent by certified mail to XXXX XXXX requesting proof of substantiation, in which I received no reply. When calling XXXX group, the representative said they no longer had this debt in their possession. When calling XXXX asking for information about this account to be emailed or mailed to my actual personal mailing address, the XXXX representative said they could only mail or email documentation to the personal information noted on file, which is not my email address ( XXXX ) or my personal mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ). The XXXX representative told me to file a police report with the local authorities if I believe the account was opened via fraudulent terms. When going to the police station XXXX New York XXXX Police Department XXXX XXXX in XXXX, NY ), the police officer stated that I must provide proof of substantiation from XXXX in order to process the police report. As I have absolutely no paper or electronic documentation of this account, I have been unable to submit a police report. The only paper mailing with the account number stated that I have received to my actual mailing address ( where I have lived since XXXX ) has been this notice dated XX/XX/XXXX, which I received in my mailbox on XX/XX/XXXX. In order to file a police report, I need actual notices and letters from XXXX, not Convergent, stating my claim for being a victim of fraud. I have a separate XXXX account ( # XXXX ) which I am enrolled in XXXX and have been paying on time each month since I moved to XXXX, NY in XX/XX/XXXX. I am not sure how the fraudulent account ( # XXXX ) was opened using my name and SSN, and false personal information that is not tied to me in any way ( email, phone number, mailing address ) and would like to request proof of substantiation of the account being opened, proof of information they used to open the account, proof of collection of debt, and any additional information that can be provided so I can file a police report. I am disputing this debt and will not be providing payment for a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: CL Holdings LLC
State: AL
Product: Credit reporting 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:
This debt has been on my credit report since XXXX, according to the statute of limitations, a collection can only be on my report for 7 years. JEFFERSON CAPITAL has repurchased this debt in XXXX and is making it remain on there when it should have been off earlier this year. I am asking for this account to be removed off my credit report seeing that it is year XXXX and soon about to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Amsher Collection Services, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Proof of debt, copy of contract with collection agency with my signature, proof of licensing in state of Florida to collect debt as none of the companies listed in complaint are not licensed in the state of Florida to collect debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
After the passing of my husband, I was asked by my mortgage company to start a probate. These was asked between XXXX I went to a title company and started the necessary paperwork. Complied with them. After all these months of not getting a response as to why I wasn't getting an answer I was inform that I needed a different affidavit due to the fact that in one of the affidavits was from a relative. I went ahead and reach out to the title company. Their lawyer told me that I did not need another affidavit. I related these to them and to my surprise I was told that my house going into foreclosure because the requirements were not made. I am including a pdf file that was provided by the title company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I CURRENTLY HAVE A 2ND MORTGAGE WITH 21 CENTRURY. I AM TRYING TO REFINANCE MY LOAN AND WHEN THE PAYOFF WAS REQUESTED THEY INCLUDED AN ADDITIONAL {$7000.00} OF ACCRUED INTEREST WHICH IS UNETHICAL AND UNFAIR. 

NEVER HAVE MY MORTGAGE STATEMENTS REFLECTED THIS ACCRUED INTEREST IN MY MORTGAGE STATEMENT. 

I HAVE INCLUDED THE PAY OFF THAT I RECEIVED FROM 21ST MORTGAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: PA
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:
Its has been since XXXX of XXXX  to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to EQUIFAX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/ to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please verify Within 5 business days in compliance with FCRA XXXX XXXX AND EQUIFAX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to Experian and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the accounts on XX/XX/2023. Experian and XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian or XXXX doesn't have any files to verify this account, nor will they delete it.

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 2023-06-07
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: Information belongs to someone else

Complaint:
XXXX, XXXX and Equifax are reporting inaccurate and unlawful information on my credit report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies report do not look identical and are reporting a late payments for an account that does not belong to me, inquiries, address and name variations and employer that I did not authorize. 

XXXX, Equifax and XXXX are reporting inaccurate and unlawful information on my consumer report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies do not look identical. 

PUBLIC INFORMATION ERROR ( REMOVE ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX REF XXXX. THIS ITEM HAS BEEN DELETED FROM XXXX, XXXX AND XXXX BUT STILLAPPEARS ON EQUIFAX. 

FRAUDENT ACCOUNT ( REMOVE ) : XXXX XXXX XXXX OPENED XXXX. 
INQUIRIES NOT AUTHORIZED BY ME ( REMOVE ) : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX DEALER. INCORRECTADDRESSES ( REMOVE ) : XXXX XXXX XXXX INDUSTRIAL BV, XXXX, GA XXXX, XXXX XXXX XXXX, XXXX XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX TEXAS XXXX. 

INCORRECT EMPLOYER ( REMOVE ) : XXXX XXXX XXXXXXXX AND XXXX XXXX 15 U.S. Code 1681e - ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681a - ( 2 ) Exclusions. 
( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
There is an account in my name open at XXXX XXXX Bank which is the result of identity theft. I first received notification of this account on XX/XX/20, called the bank that evening and spoke with someone named XXXX who said she would make the account balance {$0.00} and forward the case ( Case ID XXXX ) to the identity theft department. XXXX verified that the thief opened my account online using my name, DOB, address, and SSN, but had used a false driver 's license number/expiration, false phone number, and used a first name instead of mother 's maiden name. I never received a call from XXXX XXXX Bank XXXX XXXX department. On XX/XX/20 I created an FTC identify theft report on XXXX XXXX XXXX # XXXX ) and sent a letter from that site to XXXX XXXX Bank requesting that they close the account and notify any reporting agencies that this account was due to identity theft. On XX/XX/20 I received a voicemail from someone identifying herself as XXXX XXXX from the office of the chairman at XXXX XXXX Bank XXXX, and called her back leaving a voicemail. I have not heard from her again. I received another checking account statement on XX/XX/20 and called XXXX XXXX again and left a voicemail asking to close this fraudulent account, send me written verification, and notify reporting bureaus. Today I received a report from XXXX stating that in regard to this account, " The source has verified the information to be accurate and complete. As a result, it will remain on file at XXXX. '' I have attempted 4 times to close this account and clear my name on consumer reports by both phone and written requests. Please help me.

Company response to consumer: Closed with explanation