BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: PulteGroup, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was asked to close on the house when there was still an outstanding issue with outside bricks. There were too many chipped brick installed. A stain was used to match the chipped bricks which made things more worse. I was told that they would take care of the issue after closing. It 's been over two months after closing and the issue has not been resolved. Now, they have told me they ca n't do anything about this.

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 2015-08-20
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this acct is fraudulent and is a result frim identity theft and the company is reporting this to the credit bureaus as well as has an oppen acct that needs to be closed with thier company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: PMAB,LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was billed on XXXX/XXXX/15 for the ER doc who saw my son XX/XX/XXXX. The initial insurance payment left me owing a balance of {$520.00}. After talking with the insurance carrier - XXXX at the end of XXXX, the insurance company reprocessed the bill, because it was initially coded wrong, and the entire bill should have been covered. I let the ER physicians billing office know and they said they would put a hold on the bill and indicate it was being reprocessed. I got a collection letter XX/XX/XXXX for the {$520.00}. After calling my insurance, I learned they paid the full amount on XX/XX/XXXX electronically and it cleared with bank on XX/XX/XXXX. The ER doc 's office ca n't find a record of this, but I have the EOB and the draft number of the cleared insurance payment. They wo n't communicate with the collection agency to let them know it is being researched. I 've called the collection agency. I 've been told that the {$520.00} was my " deductible ''. This is n't true. I have also provided them with a copy of the EOB. I continue to get calls from the collection agency, despite providing proof to payment to the ER physicians via the EOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: The CMI Group, 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:
HOW DO COMPANIES MIX UP PEOPLE AND CLAIM THAT AN ACCOUNT IS YOURS WHEN I KNOW I HAVE NEVER HAD AN ACCOUNT WITH THE COMPANY THAT THEY ARE TALKING ABOUT. THIS IS NOT MY DEBT AND I NEED THEM TO LEAVE ME ALONE!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: JH Portfolio Debt Equities, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am being sent to collections for XXXX for a purchase I never made and a credit card was takin out apparently in my name with out my permission.

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 2016-09-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are representing a home owner in initiating a Short Sale for his home. We submitted all documents to get the sale date postponed and we were told that the date was postponed for 45 days. The sale date was set for the following day before confirmation of postponement. The property was then auctioned off to a third party. We were never told that the property was going to auction or that they canceled the extension. Now we have been trying to get the lender to rescind the property but they are not reaching out to us after informing us that it was in fact their mistake. We have reached out to managers, escalation dept, liquidation dept and to other high level corporate supervisors. We still have no resolve and have not heard from anyone in over 10 days. Despite several failed attempts, emails and voicemail left. The lender involved in this complaint is Shellpoint Mortgage. Now that we are constantly reaching out to the lender it almost feels that all representatives in their office have been advised to not cooperate with our office. We have been told by several agents that the notes in their systems reflect a postponement of 45 days. Any help or insight with this matter would be greatly appreciated. The homeowner, myself and our firm are continuously being given the run around with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CREDENCE EXCELLENCE BEYOND BELIEF PROCESSED MY PAYMENT TWICE AND I HAVE BEEN TRYING TO GET THE REFUND FOR OVER A MONTH. I KEEP GETTING THE RUN AROUND AND HAVE PROVIDED PROOF AND STILL NO REFUND. THEY COULD BE PROCESSING DOUBLE PAYMENTS FOR A LOT OF ACCOUNTS. WHO KNOWS.

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 2015-12-12
Company: Convergys
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Encore Receivable Management has been contacted three times in writing and twice by phone to cease communication except by mail. They continue to do so, repeatedly, sometimes as soon as fifteen minutes after contacting them by phone. Have asked for verification according to FDCPA rules and have received nothing except a blank itemized paper ( you owe us $ xxx amount ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Pursuant to FCRA Section 611 ( a ) ( B ) ( ii ), Equifax is required by law to inform me within 5 days reinsertion that they are adding anything back to my report. On XXXX I obtained a copy of my credit report via XXXX XXXX. Said report showed that Equifax deleted XXXX from my credit report. On XXXX, I obtained a copy of my credit report and said deleted account was REINSERTED on my credit report. This reinsertion dropped my credit score! 

Equifax failed to notify me pursuant to FCRA Section 611 ( a ) ( B ) ( ii ) ; therefore, they have broken the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is the third time I have tried to get equifax to update this account.I have submitted supporting documents each time. I sent transunion the same documents my credit file was updated with no problem. I call equifax in XX/XX/XXXX the repesentive I talked to told me just because I submit supporting it 's up to the creditor not equifax to update my credit file according to the fair credit reporting act if a consumer provide supporting documents the credit file must be updated..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have recently disputed some incorrect information numerous times on my Equifax report. 
*XXXX # XXXX XXXX XXXX XXXX *Accounts- XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX Equifax has stated they verified all these accounts but the account details continue to remain inaccurate. 

I do not believe that they are verifying the information with the creditors listed. Each time they just add new information and it still is inaccurate. 
I request to be provided with the dates and ID # of the person at the companies who Equifax claims reported this recent update. This is affecting my ability to get a home loan and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan with Seterus Inc. Loan number XXXX. I always pay on tine and never missed a payment. Last month in addition to my monthly payment of {$240.00} I transferred {$35000.00} in intent to cover part of my principal. Seterus, instead of covering my principal, transferred the money in to so-called Suspense account. I called them to make sure that they transfer the money from this account to my principal. They promised to do that, but of course never did. It is convenient to them to keep my principal higher in order to charge me more interest. This first telephone call I made was on XXXX/XXXX/2015. Since then I was calling 2 times a week to see what has been done. So far nothing has been done and they just feeding me promises and telling how hard and how long it takes to transfer the money from one account to another. So now after a month I have no choice, just to look for your help. 
Thank you so much for your help in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: MA
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 response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Apparently one of my girlfriend 's credit cards ( XXXX XXXX ) was added to my list of credit cards, though I do not have the card, I am not an authorized user, nor do I have any type of access to this account. The account has had XXXX late payments, which are showing up on my credit report and damaging my score. The account shows as open, but with XXXX balance and it states that the last time it reported was on XXXX XXXX, 2014. On the credit report, it also states my responsibility for the account is " Terminated ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello my name is XXXX XXXX XXXX. I have a complaint against Equifax. I was a victim of identity theft 8 years ago. I went to view my credit report for the first time in XXXX 2016. I notice that I had items on my report that was n't mine. I began disputing them. When it came to the inquiries I was told by Equifax that I neede to contact and or write the creditors because they was not responsible for disputing inquiries. I really could n't understand that, considering they disputed the accounts. So I went to the information that the creditors had for the inquiries. Addresses and or phone numbers. Some did not even have phone numbers. However I wrote each and every company. Disputed that I did n't authorize for a inquiry to be ran and please delete from my credit report. I received letters from companies saying either it should n't been a hard inquiry or they have no records of me on there file. I also got several letters back from the post office with insufficient address and addresses that do n't exist. I sent copies to Equifax from the companies and Equifax said they was n't going to remove them. I told them that I did what y'all ask. I send proof and you still wo n't delete them. I trying to figure out how can I do he same thing twice. Some of the creditors do n't even have the correct info. Pleas help me resolve this matter. I did what was asked and they are still treating me bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am filing a complaint on navient student loans servicing. They have reported a very old student loan being 60 days late which has never happened and has been reporting on my credit report late for the past 9 years. this needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have had so many issues with XXXX navient that i dont know where to start. I was put in default while still in school and never contacted until it was almost to late for XXXX. I was finally able to go through steps of deferment to get me out of default only to be given a payment amount that was ridiculous XXXX a month. I was told by the XXXX i would be XXXX in debt after school and that was with interest. After i graduated i found out i am XXXX in debt. More issues kept happening to my account with added fees and payments incorrectly applied to my account not going toward principle. I am now on the rate reduction program but i had to research for months just to find out this program exists. I have been harrased so much i want to XXXX to get out of this situation. My mom also has been severely harrased. It has cause me and family to part ways due to the conflicts these loans have caused and there is no end in sight. I am constantly stressed out and have several XXXX that last several daysXXXX, and several XXXX conditions. I have had many failed relationships due to this stress these loans have caused me. I can not afford to have a life outside of work and have developed a XXXX that keeps from participating in family and friend functions. I can keep going on all the personal effects this has had on me and my family. The school i went to os closing down slowly but surely due to predatory lending and other illegal activity to the point the federal government is suing them for XXXX XXXX since XX/XX/XXXX. I graduated in XX/XX/XXXX. I grew up on welfare and never made much money ever i just dont know why i was ever given these loans. I need them to go or i will be fleeing the united states in hopes to not live this type of stressful life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
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 enough information to verify debt

Complaint:
Finally, after multiple complaints, Resurgent Capital Services and LVNV provided proof to the CFPB that XXXX XXXX, XXXX XXXX XXXX, is reporting me for fees and interest in the amount of {$420.00} and {$9.00} in undocumented charges. XXXX XXXX XXXX and XXXX only respond to CFPB inquiries, never to my mailed direct inquires to them. Since I have not record of the {$9.00} in charges, how can I owe {$420.00}. Even if this is in accordance with some document I have no record of agreeing to, how can this be a fair credit practice?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
XXXX Bank sold my charged off acct to Portfolio Recovery Assocs. Portfolio Assocs ruined my repaired credit using using illegal attempts to collect the wrong amount. I filed a complaint with your ( CFPB ) company and Portfolio will only reply with the same XXXX inaccurate statements that they received from XXXX. There is a court order against XXXX and XXXX was to apply credits to qualified XXXX acct holders accounts. XXXX spun off from XXXX and acquired many accounts of which XXXX was to apply the deductions. XXXX DID NOT apply deductions to my charged off account and when I called again on XXXX/XXXX/XXXX @ XXXX, I was advised by the below identified XXXX Bank Associate that I would not be able to get any eligibility information concerning the CFPB Order against XXXX XXXX XXXX unless I called Portfolio Recovery Associates. How? XXXX has the account information. Portfolio only has XXXX statements with the incorrect amount on them. Not providing information regarding deductions in relation to the court order on a qualified account is a violation of the court order ; less more selling the account under an incorrect amount. I am attaching my credit report of XXXX XXXX, XXXX which reads correct charge off amount of {$1700.00} not {$1900.00} as requested by Portfolio Recovery Assocs. This report also shows proof of payments totaling {$650.00} that had not been deducted from the {$1700.00} which would leave a balance of {$1100.00}. I had this account since XXXX of XXXX. What about the interest from those years? I have suffered great damage under Portfolio 's attack on m credit. My score has fallen XXXX points on XXXX and XXXX on XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Well I 'll start at the begining as this might effect others as well. I had a account with Bank of America, my pay was automatically depositited into my checking account, I had automatic transfers set up to take money from my checking to my savings each month, I also had over draft protection set up that would charge any over draft to my credit card. 

I had issues with Bank of America processing things in a manner that would over draft my account and other issues with their customer service I ca n't recall specifically it was so long ago end result was I switched to XXXX. Each month the automatic transfer to my savings account would occure, trigger my over draft protection and charge money to my credit card. I canceled this automatic transfer, I even called and spoke to the bank and they told me we do n't see any scheduled transfers, still every month this would happen. 

I was trying to pay off the card to close the accounts ; because the overdraft protection was done as a cash advance it was slowly turning my balance into a higher % as cash advanced were paid off last after regular credit. As i said i complained, was told there were no automatic transactions but this continued to happen until I eventually called them from XXXX, paid off the remaining balance and closed my credit card, checking and savings accounts. End of story right? 

Not so much, Bank of America re-opened my account because they " forgot '' to charge me interest when I closed it over the phone, because I was XXXX to XXXX I did not find out about this until I returned home and had a collections notice in the mail, no other attempt to call or notify me had been made ; the account had gone 90+ days past due. 

I 'm not sure what the rules are but if there was interest that needed to be calculated it should have been done over the phone when I closed the account, not done behind my back afterwards ; I think this was done on purpose by the bank to get back at me for leaving.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX ( The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed several items on my credit report that are the result of someone using my information for XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have a phone through XXXX XXXX and have had cable at my address for several years in my wife 's name. I have disputed these items several times and called XXXX XXXX XXXX etc. and they have removed these due to fraud. Yet a collection agency still is trying to collect for all of these. I want them removed ... .or proof of my drivers lisence used with my picture on it. All of the phone companies and cable company do not require photo id ... .and these are not mine. I want proof this is me, or remove them immediately. What ID was used to open these accounts???? Also XXXX XXXX XXXX?? There is not even a XXXX XXXX XXXX in the state of Washington ... .I have never lived anywhere but here and this account is fraud. What information was used to open these accounts?

Company response to consumer: Closed with non-monetary relief