BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification in XXXX 2017 with the assist of XXXX ( HUD counselor ) all documents were sent in at the required amount of time. My HUD counselor called to get an update and was told she could not be updated and we needed to resubmit a 3rd party release form which was sent twice previously to her call. I called a day after resubmission of that doc for receipt of it being received and was told that the 3rd party doc was received and also the modification was denied in XXXX on the day the HUD rep had called. During the call, I was told I had the option to resubmit my application during the appeal process time. My application was resubmitted on XXXX XXXX or XXXX. My HUD rep called the next week for an update and was told that the modification package was submitted to soon and that she needed to resubmit before or by the XXXX of XXXX? No phone call from the point of contact ( XXXX XXXX ) or any informational documents were sent to make me aware of this. My third application was resubmitted, as directed, on XXXX XXXX. I have received a notice on XXXX XXXX stating it can not be evaluated due to a lack of time between the sale and the application 37 day evaluation. I feel I have been treated unfairly and myself and the HUD rep have been given the run around and continuous misinformation. I feel every step to this process was initiated properly on my end. I feel the information and lack of communication by the company should be evaluated. I may loose my home because of the lack.

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 2017-01-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX Product. 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX. I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a XXXX balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Additional derogatory information is stated below that should be removed from Equifax CREDIT REPORTING BUREAU Remove XXXX from my credit report permanently Correct COMMENT by XXXX exceeds 7 Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
XXXX : XXXX Account was settled and paid as agreed. Remove negative comment " Paid for less than full balance. '' XXXX : XXXX-Same Account as XXXX Both Exceeds 7 Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
Dept. Of ED/XXXX : Consumer does not dispute that I was never late-ACN : XXXX ... And XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
i started the dispute process back in XXXX and have not heard anything yet.

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 2017-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am involved in a Foreclosure sale and need it dismiss due to fraudulent documents used by the bank which is Bank of America. I sent them a letter to validate the account on XX/XX/XXXX, and they have not sent me anything to validate the debt as I requested. My account number with the Bank on this complaint is XXXX.  They sent a letter stating they needed more time to research the matter, but have not validated the account as first requested as of this date of XX/XX/XXXX.  I need the Foreclosure sale date of XX/XX/XXXX, at XXXX XXXX dismissed and canceled since the debt has not been validated and they were giving fraudulent documents to the lawyer handling the Foreclosure sale. The Law firm is located in XXXX, North Carolina and is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX and their phone number is (XXXX) XXXX. They have failed to answer a certified letter and numerous voice mail's left them. In one instant, they said I would have to contact the Bank, but the Bank is just stalling and taking their time to respond to my letters concerning this matter.  They had 30 days to validate the debt and they did not do so, so I request the Foreclosure Sale be canceled and dismissed at this time. The Lender on the Note and Deed of Trust they are using to foreclosure is a ficticious Lender and is not Bank of America so they have no Security interest in the loan and did not fund the Loan in the first place.  The Lender listed on the Note and Deed Of Trust did not have a Business  license's in the State of North Carolina in XX/XX/XXXX do even be underwriting or funding loans and is ficticious to start with.  I am still working with the Bank but need this Foreclosure sale on XX/XX/XXXX at XXXX XXXX to be canceled and dismissed at this time until this situation can be worked out the myself and the Bank. They also have changed theTrustee handling the Foreclosure but the Notice of Sale came from the Original Trustee not the one that was filed later but they are listed on the Notice of Sale letter dated 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 2015-10-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am current on my mortgage with Chase Bank and have been since XXXX 2013. My interest rate of 10 % is a predatory loan which I have tried unsuccessfully to modify twice with Chase to no avail and can not qualify for HARP because my loan is not with XXXX. Chase continues to add unwarranted fees such as having someone come by my house, which I 've been in for eight years now, to make sure " my family still lives there ''. I was just put in collection in XX/XX/XXXX while not being late on my payment. When asked why, I was told because my payment was late. Clearly it was not. They waived the late charge but I 'm not sure they will report this correctly to the credit bureau. I need help getting rid of this loan and refinancing to a market rate loan. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2020-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX, I was alerted of a new hard credit inquiry appearing on my TransUnion report. 

The inquiry came from XXXX. I contacted XXXX by phone on XX/XX/XXXX and they assured me that they had no record of a credit inquiry associated with my name. 

Also on XX/XX/XXXX, I created an account online with TransUnion to dispute the inquiry. I was able to see that the inquiry was associated with an address and phone number that were not mine, nor at all resembling mine. TransUnion had added the bogus phone number to my credit report. I was able to dispute the phone number online, and TransUnion removed the bogus phone number from my report immediately. 

However, I was not able to dispute the credit inquiry through the web interface. 

On XX/XX/XXXX, I called TransUnion to dispute the inquiry. I spoke to a representative who was able to verify that the bogus inquiry was appearing on my report. They refused to take any action, instead saying I needed to obtain a " Letter of Deletion '' from XXXX before TransUnion would take any action. 

I'm especially concerned about identity theft because on XX/XX/XXXX and XX/XX/XXXX, I received emails from two British loan companies, XXXX and XXXX XXXX, as if I were applying for loans from 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 explanation
Consumer complaint received 2015-09-14
Company: Risecredit, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Rise Credit Financial ( also known as XXXX XXXX, XXXX XXXX ) is refusing to work with me in extending payment plans and being deceitful in not explaining the interest rate up front. I was told originally that this was not a payday loan but an installment loan with low interest rates. I was not made aware of of the high interest rate of 98.71 % until after I signed the loan documents. My maturity date is XX/XX/XXXX with a total of {$8200.00} to be paid in full once this loan matures. I currently pay $ XXXX monthly on a {$4000.00} loan. I have made five payments and my current principal is {$3900.00}. This company is a scam, I would not recommenced this organization to anyone whether you are seeing a long or short term loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo, XXXX, XXXX and XXXX have a disconnect that results in a severe bias in all XXXX of my credit histories. The bureaus show no record of an existing WF Home Equity Line of Credit on my home. There is therefore no record of my timely payments. 
The lack of this record of timely payment of mortgage debt obligation severely depresses by credit score and unfairly interferes with my ability to refinance my home by creating a higher interest rate. 
I filed for CH XXXX bankruptcy in XX/XX/XXXX. During the bankruptcy period, the reporting of this debt stopped. This I believe is in accordance with federal law. No problem. 
I completed this bankruptcy early .... discharged XXXX The reporting of this debt should have resumed at that time ; the recording of that debt should have also resumed at that time. 
I have attempted XXXX times to have Wells Fargo begin reporting the last 12 to 24 months of payments on this account with the original loan creation date, about 10 years ago. It still does not show on any credit report. 
I have attempted twice, direct to each of the bureaus, to have this matter corrected. I received varied responses but ... ... .the mortgage and history do not show on any credit report. 
First my credit ratings are penalized for having filed CH XXXX ... ... that is a public record derogatory that depresses my credit rating. Understandable and fair. 
But to deny me the benefit of my timely HELOC payments since my bankruptcy is unacceptable! 
Wells Fargo states they can not report my account since " it was discharged in bankruptcy ''. The payment to WF through the bankruptcy trustee was terminated when the bankruptcy was discharged. The loan was not discharged in bankruptcy. Proof : I still receive and pay a monthly invoice for this account that goes unreported. 
If a collusive practice among banks to also not report post-bankruptcy mortgages, this ( if not ) should be illegal. I make this statement as I 've had similar problem with XXXX. ] I simply want my credit histories corrected.

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 2017-08-15
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX I was notified by a debt collector 'Security Credit Services '' that I owed a debt to XXXX XXXX XXXX XXXX XXXX program for {$1200.00}. I stated to Security Credit Services that the debt was not right and that I will dispute the information. I sent Security Credit Services a letter informing them that I wanted to see all of the paper work for XXXX XXXX XXXX XXXX that shows the debt. I do not owe XXXX XXXX XXXX XXXX since the terms for them was that they would bill my credit card monthly starting in XXXX. XXXX XXXX XXXX XXXX continued to charge my credit card with the last payment being on XXXX XXXX. I did not tell XXXX XXXX XXXX XXXX to stop taking payments, nor did I cancel the contract. From my credit card statements XXXX XXXX XXXX XXXX received XXXX a month from me starting with the down payment in XXXX for a washer and dryer that cost a total {$1200.00} with tax. The next payment was made 2 weeks later then monthly after. The total amount that XXXX XXXX XXXX XXXX received by XXXX from my credit card was {$1900.00} If I owed more money I do not know why after the XXXX XXXX payment was made that two weeks later a credit collection company contacted me. Security Credit Services violated my rights when they reported this debt with the Credit Bureau with out proving the debt was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: DriveTime
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Drive Time has to be the worst company by far. After being harassed the first time around the company still can not get it together. I had to put money in to my car which my warranty did not cover, I faxed all the information requested months ago for deferments which the people I spoke with several times had stated was approved. But due to a payment becoming a few days late because my account was froze due to fraud they did not process the deferment. Which is causing it to show that I am behind {$700.00} + on my credit report. So when I contacted them again after numerous times of keeping in contact they told me to call back at the beginning of the month to start the deferment process over again. Well I called today and of course they could n't do it for the full amount they stated they would before and I have to fax where I had the repairs done again with the receipts ( which I do not have because I already faxed in to them once ) before they would do anything. I advised her that I do not have those why did her company not keep them on file and she stated they have no place to store them. Company 's usually keep records of these types of things but apparently not drive time. They go out of there way to make it difficult for anyone. Granted I have had this car for almost 3 years and my loan has n't budged due to the interest they charge. The car is falling apart and the company refuses to work with you. They can just have the car back. Its not worth the hassle or the headache or {$470.00} a month. All they do is take advantage of people and ruin there credit even more. I have recorded each call and plan on speaking with my attorney again due to this situation. Others should know how horrible of a company they are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a XXXX and I currently have around {$42000.00} in Direct Public Loans ( DLSCNS and DLUCNS ). My service provider was originally XXXX/Navient and I believe I was given poor information on my repayment options. I worked for a XXXX for 2 years XXXX , XXXX, and XXXX. When I was with XXXX/Navient I was weighing my options on wether or not I should enter XXXX Loan Forgiveness or Public Service Loan Forgiveness. I spoke to numerous XXXX/Navient representatives on the phone and I was advised to go with the Public Service Loan Forgiveness. I submitted all the required paperwork for the Public Service Loan Forgiveness, however once I consolidated and moved my service Provider to XXXX servicing I became aware that the two years teaching at a title I school and the one year that I taught at a Not-for profit school, that my payments did not qualify. Now I am 4.5 years into forgiveness and only 1.5 years will count. I feel as though I was wronged by incorrect information from several XXXX/Navient employees whose job it is to know the specifics of their field and provide guidance. Now it will take longer for my loans to be forgiven through this program. Someone needs to look into this discrepancy and figure out how I can get my hard years of service of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified that I had an account from XXXX on my credit report in XXXX. I had no idea that this account was opened in my name. Not only was is in my name but it was also in collections due to lack of payment. The last payment that was made on this account was in XXXX. I contacted the credit card company who's name is XXXX XXXX and they had no information in their system on me. They said the account was sold XXXX times and the final holder is Midland funding llc. I contacted Midland Funding and asked them for more information on this account and to please verify it by sending me a copy of the contract that I signed. The only thing that they sent was a copy of a bill coming from their company. The fee has now dropped by XXXX dollar. The amount they say I owe was {$810.00} which is now {$810.00}. I have attempted on numerous occasions to get a copy of the contract with my Identification in the form of a License and or identification card to validate their claim, they have not been willing to do so. Its been more than two months since my last correspondence with them. The young lady who's number I was told to contact is from an lawyers office XXXX XXXX XXXXXXXX is very rude and unprofessional. The only thing I kept telling her is that the bill is not mine and I need proof, she could'nt supply it. I am not willing to pay this bill or late charges due to me not be the one who opened this account. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RE : CFPB Case number : XXXX On XXXX/XXXX/XXXX, a representative from TSC A/R Solutions received an itemized statement to verify the balance due. ( see attached ). Identified as ( XXXX XXXX XXXX ), the itemized invoice and statement clearly and unequivocally states that the balance due from the patient is {$0.00}. 

The debt collection agency claims it is authorized to accept a settlement of 80 % of the balance due ( i.e. {$0.00} ) and if the consumer pays this amount ( i.e. {$0.00} ), TSC A/R Solutions will delete this account from their credit record. 

This is a deceptive and illegal attempt under the " pay for delete '' method, considering that 80 % of the balance due from patient ( i.e. {$0.00} ) is {$0.00}. This has possible grounds for legal action against the debt collection agency for which I may seek legal advice on the matter. 

Furthermore, it is important to note that since XXXX credit reporting agencies ( i.e. XXXX ) have investigated this trade line and have deleted this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Tried for two years to get a mortgage modification from Chase Bank Finally succeede in 2012. But only brought it down to 7 3/4 % Terms were that {$32000.00} would be forgiven each year for three years provided that we paid on time for the entire year. They said that we would be expected to pay taxes on the forgiven amount. No tax forms were ever provided even though I made several requests. Finally this year I declared the XXXX without the form. After XXXX XXXX they told me that the government said that we had to declare all of the {$96000.00} in one year. They said that they will pay to have taxes re done but no interest or penalties. By declareing the money all at once we hit the 30 % tax bracket. It is costing us an additionalo {$15000.00} in taxes. Is there anything that can be done to help us out? We received the modification because our finances were tight after my husband had XXXX and had to quit work.

Company response to consumer: Closed with explanation