BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: Flatonia Investments, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a second letter from Envoy Mortgage LTD. Reminding me that the alleged debt attached to current loan number XXXX was being transferred to XXXX XXXX with a new loan number of XXXX. I had received this letter previously and requested a validation of debt from XXXX XXXX and ceased all payments until this could be resolved. My confusion in this is my letter states that I must make payments to XXXX XXXX, but all correspondence must remain with Envoy Mortgage. If my Mortgage has truly been transferred to XXXX XXXX, then all services should be through XXXX XXXX and Envoy Mortgage LTD must cease all contact. 


p.s The letter was sent on legal paper, and too big for my printer to scan. I have included the cut off sections from pages 1 and 4.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Reverse Mortgage Solutions/PHH has not been a good experience. The company has been difficult to work with from the beginning. There has been no one assigned to us as a case manager. Documents do not reach us in time, yet we are to expedite them in short time. 

When we entered this agreement we were to satisfy XXXX points : Our home is our major residence We are still alive ( XXXX and XXXX ) The property has not been sold. 

Back in XXXX we signed a repayment agreement for our XXXX tax bill. The agreement was signed and payments sent. XXXX weeks ago XXXX of the checks was returned without explanation. When we called they demanded {$6000.00} in full or the house is auctioned on XX/XX/XXXX. What happened to prior notification? We began payment to the county for our XXXX taxes ; they superseded our payment, breaching the contract in XXXX, claiming that the breach was our fault because they paid the bill. If there had been contact made to us, as to how we would handle our taxes for XXXX, there would have been no need for RMS/PHH to pay our tax bill. RMS/PHH is the mortgagor and the collection agency. How can that be?? We had less than 2 weeks notification. There must be a law against this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXXBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMP XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICE XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Given the increase in the value of my home, I requested to remove private mortgage insurance ( PMI ) from my monthly payment. The first request was made the first week in XXXX ( XXXX to XX/XX/XXXX ). I was told the letter would be mailed within 10 business days but I could request the letter be emailed to me in a week 's time ( XX/XX/XXXX to XX/XX/XXXX ). After calling in a week, I was told that the request for the letter to be produced was never confirmed. I was given the same timeline. I called again on XX/XX/XXXX and was told the letter has still not been produced. I was ensured that I would receive the email by XX/XX/XXXX at the latest. I called again on XX/XX/XXXX and was told that the letter was still not produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Validate this false charge off it does not belong to me XXXX XXXX Account XXXX : XXXX As a consumer by law this must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XX/XX/XXXX Account Number : XXXX As a consumer by law this must be deleted immediately 3. Validate this false charge off it does not belong to me XXXX XXXX XX/XX/XXXX Account Number : XXXX As a consumer by law this must be deleted immediately

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 2022-08-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the process of applying for mortgage assistance through the XXXX XXXX XXXX XXXX. I am working with a community organization, The XXXX XXXX XXXX XXXX XXXX XXXX, who is currently been awarded a grant to help non-English speaking homeowners, with the application submission and review process. I am eligible per the program requirements but am having an issue during the review processXXXX XXXX review team has submitted a request for an official mortgage balance statement to Mr. Cooper, my mortgage servicer. However, Mr. Cooper has not cooperating and the review process is currently at a limbo. I have made several attempts to contact Mr. Cooper directly, and they have not been cooperating. XXXX has told me that they can not reach out to the loan servicer directly. My case number with XXXX is XXXX. My loan number with Mr. Cooper is XXXX. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been sending correspondence to Navient since the XXXX of XXXX. I requested that Navient validate the debt attached to the account number XXXX, which comprise of both federal and private student debt. The only correspondence back from Navient was of accusations of breaking the law. They even included in the letter an FBI website that had implications of fraud schemes. This letter was intended to intimidate, and threaten. On the bottom of the letter sent by Navient I noticed their NMLS # XXXX. Upon searching this number I discovered that Navient is not licensed in the State of Georgia. My residents and schools XXXX XXXX and XXXX XXXX ( to which the alleged debt is attached ) are in Georgia. Since Navient has no legal rights to conduct business in Georgia I demand that they cancel/ discharge the above accounts, correct any damages with all three credit collection businesses and cease all contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my my XXXX XXXX dispute and second complaint against Transunion Credit Bureau with Cfpb to remove this bankruptcy that is reporting on my credit file that does not belong to me. They have verified it as factual which is not factual because the Bankruptcy court has sent me a letter which I sent them and Cfpb stating they do not report my information to Transunion so they are violating my right as a consumer under the Fair Credit Act. I have already had this Bankruptcy removed off of XXXX and XXXX because they were not able to verify this account belongs to me just as Transunion can not verify this and has not furnished proof that they did verify this account belongs to me which they are suppose to do by law. I am demanding that Transunion remove this Bankruptcy off my credit report immediately or my next step of action is I am going to file a lawsuit against them.

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 2022-09-28
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Noticed a hard inquiry first from a XXXXXXXX XXXX, and within one month, another hard inquiry from XXXX XXXX XXXX, and just yesterday, another hard inquiry from Barclays 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 explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX BANK XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX, XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # 's XXXX & XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-01
Company: Experian Information Solutions Inc.
State: MD
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:
I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through XXXX : XXXX : XXXX XXXX : XXXX Experian : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Also, I have some personal information that needs to be addressed as well. Can you please in-vestigate and remove these names as well? It should only be as listed at the top of this letter. 
Wrong Names : XXXX XXXX Wrong Addresses : 1 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 4 ) XXXX XXXX XXXX XXXX, MD XXXX 5 ) XXXX XXXX XXXX XXXX, MD XXXX 6 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 7 ) XXXX XXXX XXXX XXXX, MD XXXX 8 ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Wrong Employers : 1 ) XXXXXXXX XXXX  2 ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Loan department issued a cashier 's check to me but will not inform me where the funds from the check went. They put a stop payment on the check, but did not send the unclaimed funds to the state, they kept the funds and did not account for the funds when I inquired about cashing the cashier 's check. 

The issued me a cashier 's check but put a stop payment on the check without explanation or accounting for the funds..

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 2022-08-01
Company: EQUIFAX, INC.
State: MD
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:
I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through XXXX : XXXX : XXXX Equifax : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Also, I have some personal information that needs to be addressed as well. Can you please in-vestigate and remove these names as well? It should only be as listed at the top of this letter. 
Wrong Names : XXXX XXXX Wrong Addresses : 1 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 4 ) XXXX XXXX XXXX XXXX, MD XXXX 5 ) XXXX XXXX XXXX XXXX, MD XXXX 6 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 7 ) XXXX XXXX XXXX XXXX, MD XXXX 8 ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Wrong Employers : 1 ) XXXXXXXX XXXX 2 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Sunlight Financial LLC
State: NY
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:
Sunlight Financial NMLS ID XXXX XX/XX/XXXX has placed a solar order under my name and ran my social security with out my authorization I have not been in any kind of agreement or contact with them since XX/XX/XXXX when one of there door to door reps came to my home to silicate Solar energy, I emailed them regarding this order and that i didnt order this service there reply on XX/XX/XXXX was that they acknowledge my email and will contact the installer to email me, which means they are now attempting to install this service which was illegally ordered under my name, and my identity was saved in there database and unprotected,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022, a female in the Fraud Dept, told me she would not close my account, per my request. She stated that I had to submit a tax form if I wanted to close my account. She refused to state why her department needed the tax form and why I couldnt close my account. 
The following day, on XX/XX/2022, I was told the same thing by a male representative in the same department. 
When I filed my initial CFPD complaints, XXXX from the Presidents office stated that I could have closed my account anytime, and what I was stating the Fraud Dept told me is not true. 
If the Fraud Dept. closed my account when I originally asked, the CFPD complaints would not have been made.

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 2022-12-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
lvnv is falsely reporting a debt on my credit report. i was never given the option to dispute the debt and my fcra/fdcpa rights were violated. i spoke with a representative on XX/XX/2022 by the name of XXXX  around XXXX XXXX  and i asked her what address did the company initially send the ownership of debt letter to. the address that the rep said to me is an address that i didnt reside at. lvnv/resurgent never made any attempts to properly get in contact with me via mail for me to properly respond to the debt via the 30 days said per the FCRA/fdcpa. unless lvnv can prove that they sent proper origination of debt documentation via certified mail or at my proper mailing address, i want this debt to be removed from my credit reports and for lvnv to cease collection activity indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2021 I contacted Chase freedom credit card company to close this account. I paid the balance off in full. I then checked the account at the next billing cycle, and made sure everything was paid off. After the time that I closed the account, the company allowed charges to continue through. Also charged me late fees for not paying the account. In XXXX I was made aware of this, and I contacted the company again. I disputed the charges, told them to close the account again, and they reversed the fees and charges. 2 months later, I had the same problem again. I have called them multiple times to close the account, each time they tell me they will reverse the late charges, inappropriate charges, and fees. At one point, a charge did come through that was mine, from a reoccurring account. I did allow that, but they would not let me pay it due to things " still going through ''. I am still attempting to get this fixed. On monday, XX/XX/XXXX, I called and was placed on hold several times, lasting over an hour, then was disconnected while I was trying to get through to the resolutions department. This company is incompetent, and is not following the civil code of the intra and interstate banking law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Prior complaint close without satisfaction : XXXX Received updated credit bureau score which dropped vs prior months due to new card. 
Per prior note, this card was sent w/out option of declining : Made a payment online, splash-page came up with new card offer. there was no option to decline offer. In addition, bank comments stated offer was not preapproved - I do not send ant demographic or financial information to the bank. I believe BoA is misrepresenting the term " preapproval. 

Prior BoA comments on 1st complaint state i did not wish to receive additional call bask. True. I wan the inquiry and card removed from my bureaus. 

To date I have not activated the card Pleas address

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