BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: TX
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 the consumer XXXX XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2021-07-26
Company: Shellpoint Partners, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Shellpoint Mortgage Company has been harassing Me for two months. My loan was Discharged two years ago during a Bankruptcy, I sent five cease and desist letters, dating back to XX/XX/21. The ongoing harassment has been abusive as they are sending Me correspondence in the Mail almost every day. I reported it to the XXXX  which is pending. Their reviews online show they harass people often. I would be grateful if You can assist Me in any way possible.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My issue is that i 'm a single parent with a background that took up XXXX hoping to obtain work it 's been almost XXXX year 's and i 'm still without work for a trade i obtain and still with a loan i cant afford. my name is XXXX XXXX XXXX XXXX my school was XXXX XXXX XXXX in XXXX, IL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Moss Law Firm, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I entered into a settlement agreement with Moss Law Firm PC effective XX/XX/XXXX in the amount of {$130.00} per month. The first payment was due by XX/XX/XXXX. On XX/XX/XXXX, I submitted payment via the company 's online portal. Several days later, I received a notice that the payment was not processed and to contact Moss Law Firm PC to make necessary arrangements. When I contacted the company, the representative told me that my payment was not processed because I attempted to make the payment too soon after the agreement was signed and my account was not established in the system. I made the payment with the representative via telephone on XXXX and was told by the representative that I would be able to make my monthly payments online from that point forward. On XX/XX/XXXX, I attempted to make another payment online for XXXX. I received a payment confirmation email. However, a few days later I received another letter via mail stating that my payment did not go through. I called Moss Law Firm again and could not reach a representative, so I left a message for someone to call back. 
I did not receive a return call. I called the company again on XX/XX/XXXX and was advised that since my first two payments did not go through, I could only pay each month via cashier 's check or money order. They also advised that the reason the payments were being rejected was due to an issue with my bank. I attempted to explain to them that I was given misinformation back in XXXX when I first attempted to pay, and I was willing to get the issue resolved with my bank if they would allow me to get caught up with my payments and continue to pay online. They stated that they could not allow for this, even though they provided misinformation to me which caused me to continue to have the same payment error. They also falsely claimed that I did not try to contact them and that they previously advised what the issue was. I feel that they did not provide me with proper information to ensure timely payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. I am listing the inaccurate accounts below XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX it has been over 45 days which gives a reason to immediately remove those items from my credit report. I have filed an FTC report and I will file for litigation due to the stress caused in this matter if not resolved immediately. My credit was also effected by the exactis data breach and my social was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am trying to dispute negative credit reporting from XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to reach custodial parent mother to stop billing for child that was no longer in her care, but living with father ( me ). Mother failed to respond to repeated phone call and letters from both XXXX and myself. Consequently, the child support payments were reported as late or delinquent when NO PAYMENT should have been even billed. I made NUMEROUS requests to XXXX for updates, request to file/change court order, without success. Please note that before this rather unfortunate situation, my account was in good standing with all payments current and NO ARREARS OWED. This began in XXXX and continued up until Child turned XXXX yrs old in XXXX, and XXXX finally stopped billing. Please help.

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 2021-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I reached out to Bank of America on XX/XX/XXXX about deleting the escrow payment on my mortgage. That had misestimated payments for the year, and as a result, doubled my monthly escrow payment ( for property tax and insurance ) from {$800.00} to {$1600.00} per month. I requested to cancel, but they said that would not be possible because there was a escrow disbursement scheduled within 60 days. They told me to call back in XXXX once the disbursement had been made. 

I called back in on XX/XX/XXXX to again, delete my escrow account. They said the money had not been disbursed yet ( when it could have, and should have been disbursed at the beginning of the month ). Bank of America said I would have to call back to once the escrow payment was disbursed. 

I now called back on XX/XX/XXXX, and again, they have to file paperwork to escalate it internally, and said it would be approved or unapproved by XX/XX/XXXX. Which means I will be within 60 days of another disbursement, which means I won't be able to delete my escrow account. 

This is predatory business practices. Bank of America puts the 60 day rule in the escrow contract, fully knowing they will not make a good faith effort to delete escrow accounts, because it does not benefit them. Bank of America distributes the funds later in the month, implements a three week long approval process, so that the window to delete your escrow payment is so short, it's impossible to cancel this payment. 

There is also no contact number for the escrow department, which is convenient for Bank of America because if you can't reach the people who determine the outcome, there is no way to resolve the problem. 

Escrow is something I opted into out of convenience, only to later find out it's virtually impossible to cancel. It's wrong, it's no way to treat people, and I couldn't be more disappointed in how Bank of America treats their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30
Company: ORG GC GP Buyer, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached request for debt Validation through Consumer Financial Protection Bureau. The company can not identify the date of the alleged default of debt and other reasons discussed in attached letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: Colony Brands, Inc.
State: PA
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:
So a few months ago I checked my credit report and noticed a account by the name of Seventh avenue I never heard them and know for a fact I do n't owe them any money.spoke to my mentor about it and a rep at my bank and they told me to dispute it maybe it was a accident. So I disputed with XXXX first and it keep saying verified! I do n't understand how they are veryfing this so I contacted the company seventh avenues by phone and mail and they told me it was nothing they can do. I 've been getting turned down for credit card for this reason and it unfair. This needs to be deleted because it is n't accurate.this is causing me a lot of stress because I do n't have any other negative items on my credit I am very responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Law Office of Brett M. Borland, P.C.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Law Office of Brett M Borland, P.C. contacted me by phone, on XX/XX/ and claimed I owed a debt as originating from the apparment XXXX XXXX XXXX, whk I have never stayed out. They then contacted me by mail received XX/XX/ as to the price of said debt and the supposed contract included in a debt validation letter request. This gave me no notice of my rights as described in 15 U.S. Code 1692g ( a ) ( 3-5 ). 

I made a request for additional information within my rights and after two months have received. I requested they only contact me by mail and they ceased all communication claiming it was against company policy to communicate outside of the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Real Time Group, Inc.
State: KY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've been receiving statements for over 9 years, from a Paper Error with XXXX XXXX XXXX XXXX Real time solutions apparently was the buyers of XXXX XXXX Debts while they were in Bankruptcy, My bank sent me a letter EXHIBIT ( 1 ) XX/XX/09 Stating my Mortgage payment was not being accepted from Auto pay, and they tried 2 times, So I called and the number was no longer in service, I didn't know at the time what was going on XXXX of XXXX, I receive a Summons for Court for Four closure on my Home of 40 plus years, I received no Notice of default, I wasn't even in delinquency for a forclousure. ( EXHIBIT 2 ) I had enough money to pay a bank ( Exhibit 3 ) if there was a error, I could of paid up the Mortgage payment if I had been informed of the Auto payment error. I finally saw on the News of a ROBO signing error from XXXX XXXX XXXX, ( EXHIBIT 4 ). and everyone involved was getting a Mortgage Forbearance, that was all good until I noticed they added on Attorneys fees and late payments, for an error that was not my fault. ( EXHIBIT 5 ). with that issue in mind, I opted out of the ROBO signed house mill and started looking for an Attorney, While tirelessly looking for an Attorney, my House was sent to the Commissionors office without me knowing about it and given to a Broker to sell ( Exhibit 6 ), I was notified by a friend who was a broker that my house was sold. I never found no evidence of a Auction ( Exhibit 6-1 ). I was then contacted by the alleged buyers and told I had to move, I begged them to stay and had to rent my STOLEN HOME for 9 months, until I decided to find a buyer to buy it for me until I can clear my Identity theft. I found a buyer and they bought my home so that my family and I could stay in our home. ( Exhibit 7 ) Which brings me to Part 2 ( Cover letter to Realtime Solutions ) ... I have been receiving bills from REAL TIME SOLUTIONS for over 9 years for my home that was Stolen by error and sold, ( Exhibit A-A1 ). I contacted RealTime solutions 2 times to stop billing me ( Mail Fraud ) Cease Decist from collecting on a bill That I don't owe due to The Breach of Contract with XXXX  ... .I need help with clearing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Jon Barry and Associates, Inc.
State: MS
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:
I recently filed a complaint with XXXX against Paragon revenue company filed number XXXX about submitting negative information on my XXXX report. They agreed to delete the information and remove all of the alleged debts from there office.. on XXXX/XXXX/2017, I received an alert from my XXXX and Paragon re- inserted the debt back onto my report which has caused a XXXXpoint decrease to my score ... I called to confirm with XXXX and it was put on there again for the amount of XXXX .. I have tried to be a great consumer and be in compliance with this company. I have enclosed all documentation about this company. .I have paid the original CREDITOR for the alleged debt ... I have recently started the process with a local attorney against Paragon.. This company has violated several laws ... I was in the process of closing on my home on XXXX/XXXX/2017, but when Paragon added this debt to my report it decreased my chances of closing ... I have enclosed documents from Paragon as well as XXXX who is the debt was old too..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I checked my credit on XXXX on XXXX XXXX and my Transunion report only showed XXXX hard inquiries. The next time I checked it, around the middle of XXXX, XXXX inquiries showed back up. I was not notified that they would be reinserted. I 've called transunion several times to get this resolved and they have been very rude and will not help me.

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 2021-07-26
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Payoff of my lease with US Bank was sent on XX/XX/XXXX to US Bank address listed on the written payoff statement. The payment was received by US bank on XX/XX/XXXX. The dealer has written confirmation of delivery and receipt of the payoff check. I have called several times to verify and confirm the payoff was revived and applied. each time I was told by the US bank customer service person that they have no record of receiving the payoff check. I believe they have intentionally stalled in applying the payment to my account. Costing me money and threatening my excellent credit standing. They are liars and committing fraud.

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 2015-11-10
Company: American Coradius International LLC
State: LA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed bankruptcy in XXXX 2010 and there was a loan from XXXX and now they are trying to call it a student loan. the loan was included in my bankruptcy which was discharged this past XXXX and now ACI of XXXX, NY is sending me letters and calling stating i owe {$7300.00}. i am also wondering why they are trying to collect on the debt and the statues of limitatons are 6 years and the loan was taken out in XXXX XXXX i am just getting out of bankruptcy and who has that kind of money. i want to request a discharge because i am disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Oracle Financial Group LLC.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 I was contacted by XXXX XXXX with Oracle Financial Group. He left a voicemail message on my cell phone with his contact information and a reference number, XXXX at XXXX XXXX.. I returned the call at XXXX XXXX. He stated that they were an arbitrary company for XXXX XXXX XXXX in regards to a debt I owe from XXXX XXXX. I asked him to send me a debt validation notice. He stated that XXXX XXXX XXXX does not communicate through mail so I would not get a validation notice from them. I told him that I would not proceed in further conversation unless I received a notice. He stated that it might take him a while but he would send verification of debt. I still have not received any proper notice of debt. Today, XXXX XXXX, 2015 I received an automated message. They identified themselves as OFG ( Oracle Financial Group ) LLC and the same reference as before, XXXX. They are in direct violation of the Fair Debt Collection Practice Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: Colony Brands, Inc.
State: CT
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:
3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts.

1. XXXX XXXX 2. XXXX XXXX FKA XXXX 3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Balance with debt collector is far more than I owe for the debt. 
When I began making repayments through XXXX of XXXX ( payment history is attached, as well as the original credit card statement. ) the balance on the credit card statement was XXXX. I was approximately XXXX over my credit limit. A total of XXXX was paid directly to XXXX XXXX bank from XX/XX/XXXX XX/XX/XXXX. I then received a notification that my account was sold to a collection agency. **The first notice from the collection agency was received XX/XX/XXXX. The payments that were being made to XXXX XXXX through my credit counseling agency were cashed all the way up to XX/XX/XXXX. The collection agency, Resurgent Capital Resources in XXXX, North Carolina is state that they were given the account on XXXX XXXX, XXXX. Resurgent Capital is stating the balance is XXXX because of of XXXX of fees and interest accruing on the account. I ca n't possibly owe XXXX on this account. My payments were transferred from XXXX XXXX to Resurgent Capital this month. However, I can not get resurgent Capital to respond to my dispute letter ( also attached ). I am asking for your help in this matter. I feel like I am being charged and having to pay this debt over and over again. My balance should be no more than XXXX. Even if a collection fee was added there is no possible way I can owe XXXX or any other amount over XXXX. I have requested billing statements and proof of all payment postings on this account. Yet, I have not received them. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I requested my checking account from SunTrust Bank to be closed back in XX/XX/XXXX and I has not been closed. I received a call from a collection agency on XX/XX/XXXXstating that there are calling on behalf of SunTrust to collect a debt to the amount of {$180.00}. 

I went to SunTrust Bank to speak with the manager an have more details on the fees. 
They explained to me that some overdraft fee accumulated to my account before their close. When I requested my account to be close there was a balance of {$4.00} that was paid via a transfer from my saving account making an account balance to {$0.00}. 

The failure of the bank not closing my account when requested lead to some accumulated fees which I should not be responsible for. 

Unfortunately, the manager said she ca n't do anything about it since the account is now closed. 

I am requesting your help to help to resolve this issue. The current balance that I obtain from the bank is {$89.00}. 

I will be happy to see this charge cleared from my account. 

Thank you very much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief