BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to save my house from forclosure and have been mislead by my mortgage company since XX/XX/XXXX. I completed all paper work and was accepted by loss mitigation department, received a forbearance plan and made all my payments and was told that I was doing everything right paper work was already back from under writers in XX/XX/XXXX and once I made my final payment in XXXX the paper work would be sent out to sign the restructure of the loan and begin my account out of foreclosure. I then check back in XXXX and was told due to covid things were running behind. I made another payment as they requested. I called back in XXXX and they said they would request an update and made another payment and was told they would have someone review. I got a call back and was told all my paper work was ready to come out to me and sign would be with me in 7-10 days. I did not receive this paper and called back again made another payment and was told they would check into this. I then received a call back saying I had to fill out the packet again and send in and then a decision would be made. I completed all this paper work but have received paper work from an attorney that this was now in foreclosure. I called back today to the company and stated everything I was told was noted on the account and was mislead and stated I was going to be looking into an attorney and if calls were pulled they would show I was greatly mislead by the company not just by 1 or 2 but by 8 to 10 people and now my house is in danger. She even stated today that they wouldn't even need to pull the calls as everything I have said was notated on the account and they messed up big time and action would be taken with those employees.

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 2020-06-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please update my credit report with the letter from company to fulfill the request for DELETION

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 2022-12-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had stolen my Identity and someone had made lots of Fraudulent charges from XXXX. 
I had never had authorized these transaction.. 
XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have not received any correspondence from either Experian or XXXX during the entire course of my dispute process. All letters have been delivered and I am able to track them online. By law, results must be delivered within 30 days and I have not only received no results in the mail, but no mail whatsoever. Therefore, what I am disputing must be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Trident Asset Management, L.L.C.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Trident asset management says I have a credit card debt with total card for XXXX this account is fraudulent and its not mine .this is my sixth time disputing this account with collection company only to have it removed and sold to another company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enhanced REsource Center -ERC ( a debt collection agency ) started calling my home, I finally answered the call and was told this was an attempt to collect a debt for XXXX XXXX for {$140.00}. I told the young lady she had the wrong number, as XXXX does not service my area - I have ATT. she said it was for a service address in XXXX. I stated, I do n't know anyone in XXXX, XXXX and if it has my name I am a victim of I.D theft. She stated, the account was opened and that was the service address and my name and number in GA was listed as the bill pay address. I said, I have never heard of such a thing. She kept asking, How was I going to pay the debt? I finally got her to realize it was not my debt. I asked was my SSN used and she said no. She gave me a number for XXXX. I called XXXX XXXX. and asked did they allow their customers to bill to XXXX party address without consent?, and I was told, YES. When I called back they rep. denied I had a bill with them. I have recently been told I have to go thru the fraud dept at Charter and fill out the paperwork, however, I think that is insane being that they -Charter allowed someone to bill to someone else 's address in a totally different state. I know the Identification theft process I have had to use it before. But I feel XXXX was negligent approving such foolishness in the first place and they should be held accountable and made responsible for finding a solution. I still received a bill from ERC notifying me I had 30 days to prove it was not my debt or I would be held accountable. Again, XXXX was negligent in letting the stranger use my name and address without first verifying with me. I was not aware service could be established with a SSN in any type business. I also never received a bill from XXXX XXXX alerting my of service in my name. My first notification was from the bill collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, sent my debt to collections. I did owe this money and paid it on XXXX XXXX, 2015 in the amount of {$950.00}. Debt was paid to directly to XXXX XXXX XXXX. Tracking # received from XXXX XXXX XXXX XXXX XXXX. I have called XXXX XXXX XXXX several times and they have not notified the Collection Agency to remove this from Credit Report. I have also contacted the Collection Agency, Address and Phone # below and they also have not taken action to clear this up on my Credit Report. Enhanced Recovery Company, XXXX XXXX XXXX XXXX XXXX XXXX, Phone # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 and convergent accounts has violated my rights ; XXXX XXXX account number ; XXXX XXXX XXXX account number ; XXXXXXXX XXXX  account number XXXX rise account number XXXX XXXX XXXX account number XXXX XXXX  account XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX  account XXXX XXXX 15 u.s.c 1681 section 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 an account without my written instruction

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 2020-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put XXXX XXXX   which was bought out by XXXX XXXX but instead they stated that it was a debt with XXXX XXXX XXXX that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of Portfolio Recovery Services XXXX XXXX XXXX. This debt was Re-aged and Portfolio Recovery Services did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made portfolio recovery could not. The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by Portfolio Recovery Services which is illegal and in clear Violation for the FCRA and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct # XXXX XXXX XXXX Acct # closed XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Had 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-16
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
We received a XXXX XXXX gift card on XX/XX/XXXX as a anniversary gift from my mother in law, with {$100.00} loaded on. We did not open the gift card packaging until XX/XX/XXXX when we attempted to use it at XXXX. We were told there was only {$25.00} on it. I looked it up online and see that someone made unauthorized purchases on XX/XX/XXXX in the amount of {$75.00} at Be Renewed Massage. We have never been to this business and don't know where it's located. I attempted to resolve this with XXXX but their process says a dispute must be started within 60 days of a transaction. They also say they won't return the money unless they recover it, even though the transactions occurred from a fully packaged card so likely had to be an " inside job ''. Please assist me in recovering my {$75.00} that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Arbor Residential Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a formal complaint against AMS SERVICING LLC now known as Seneca Mortgage Servicing LLC- Loan # XXXX they serviced the mortgage from XXXX XXXX to XXXX XXXX A tax lien was paid by XXXX on XXXX XXXX XXXX I spoke to XXXX today and they said it was paid off and we can ascertain that information from XXXX County Creditor the delinquent tax section . Seneca was definitely aware of the Tax Lien. 
Furthermore, after receiving a breakdown from Seneca- it is clear that I do not understand who they were paying our money to in the disbursements. That is not a way to do a breakdown and analysis of other people 's money. I am not sure who is responsible at this point for the willful failure to pay our School Tax for period ending XXXX or the second half of XXXX or the General Tax for the second-half of XXXX Everyone that we have encountered so far should be in prison for all I care. XXXX will deal with them accordingly, trust and believe. I just learned that XXXX XXXX got permission from one of these crooks to pay of the lien but we are doing our own investigation. We will file a formal complaint against them also as XXXX XXXX was under investigation by New York State Department of Financial Services Financial Frauds & Consumer Protection Division in XXXX XXXX. Please be advised that this is complaint is in conjunction with ( CFPB CASE # XXXX against XXXX XXXX XXXX ) & ( CFPB CASE # XXXX against XXXX ) AND NOW THE THIRD COMPLAINT against Seneca.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Procollect calls me all the time. They must have the wrong number.. I do not know the person they are trying to reach I asked them to stop calling me but they have n't.

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 2016-10-25
Company: Express Collections, Inc.
State: SD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX, I was made aware of an old daycare bill that was in collections. The total amount, with fees included was {$470.00}. ( The original amount due to the provider was about half that. ) I paid {$200.00} down, and set up a payment arrangement for {$28.00} a month for ten months.I paid the debt by following the payment arrangement and was recently contacted by a representative of the company to pay an additional {$100.00}. I do not owe this debt. When I told him that he threatened to seize property, garnish my wages, or let the courts decide. This very same debt is also listed on my credit report by XXXX for the original {$470.00} and I told him about that as well. He stated that he does n't know who that company is or why the original debt is listed twice. I told him many times that the debt was paid in full and he kept threatening these things. I 'm so distraught over this issue that I 'm physically ill. It 's not about the {$100.00} that he claims is due, it 's the way I was treated, by him, during the call. I know that this debt is paid in full and he harrassed and threatened me until I finally told him to take it to court because I am disputing the validity of the debt. I 'm thoroughly disappointed with the lack of respect and his refusal to hear what I was saying. I have bank statements to support that the debt is satisfied. I 'm not sure what my next step should be in this, but I know he is n't right in what he 's trying to do. I believe in doing the right thing and I have paid this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX of XXXX I were XXXX and missed work and later upon returning I lost my employment, I communicated to mortgage lender USBank and were greeted with forbearance program. In speaking with them i shared i am responsible for insurance and taxes. USBank representative stated they will take care of taxes to protect their own investment and shared i will need to keep insurance. Time continued and I had job challenges and continued with hardship with myself or XXXX  of my XXXX  children and XXXX difficulties but with blessing of forbearance I were able to keep bills caught up besides mortgage and property taxes. I became gainfully employed at a much better job in XX/XX/XXXX and in XXXX of XXXX I called USBank to reestablish mortgage payment and were given three options.

# 1 pay full amount of monies owed during forbearance.

# 2 pay half of monies owed and agree payment of remaining attached to mortgage payments.

# 3 wait till XXXX for forbearance to end and file XXXX to request putting monies be added to end of mortgage. 
XXXX I sent XXXX and it were denied due to incomplete. I called and gained information needed to complete XXXX. Now we are at the end of XX/XX/XXXX and I Re-Submit XXXX and mailed Certified mail. I received notification of denied due to no records of it being sent. 
I then Call and am told XXXX XXXX to them, XX/XX/XXXX I did so and USBank stated not received. 
I XXXX XXXX to XXXX Indiana to USBank facility and loan officer emails XXXX. This were denied due to bank statements too old. 
I drive back to XXXX and XXXX XXXX with updated bank statements and this were accepted XX/XX/XXXX. I call numerous times and speak asking info and typically transferred or drop call and continue to follow up on XXXX. 
I get a call from USBank on XXXX  XXXX telling me I have two choices # XXXX pay XXXX in full by XX/XX/XXXX # XXXX short sell. 
I am baffled. I have had hardship after hardship and kept in communication with USBank. I am a single father of twins in school and have become injured at work and needed two XXXX  with one being rather XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know the monies are my responsibility but if put at end of mortgage I would have no issues. I am told credit report isnt good and USBank can not assist. My credit has a payed off issue from USBank credit card that is not being removed. I do have income that can meet my financial responsibilities yet USBank will not speak to me of 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 2022-07-26
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBE Group is trying to collect a debt from Charter Communications regarding return of equipment. I have let them know numerous times that the equipment was returned and that I do not owe the debt. They continue to try to collect and ding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are unauthorized inquiries on my credit report. I requested that they be removed. However, they are still there.

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: Lynx Asset Services, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please see all attached documents in reference to my complaint. # XXXX Per my conversation with XXXX, he advised to attached more documents. XXXX/XXXX/2016

Company response to consumer: Closed with explanation