BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez, LLC mailed me a letter several weeks ago requesting that I submit proof of insurance for my house and threatening to purchase insurance on my behalf if I didn't submit proof. They included a website to submit the proof of insurance, and I did so the next day. 

On Friday ( XX/XX/21 ) I received another letter demanding proof of insurance again, but this time the letter does not have a website to submit proof. They again threaten to purchase insurance on my behalf for {$680.00}. I've called the number provided on the letter twice and have been on hold for over an hour - no one has picked up the phone. I emailed my proof of insurance to NewRez 's customer service department. I do not want to be charged {$680.00} for insurance when I already have insurance for the period they're requesting and I've already submitted proof multiple times.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient has been calling multiple times a day harassing and threatening me. I would like them to stop calling, and I've asked them multiple times to stop. They have called everyday ( including weekends ) 8-10 times a day. 

They threaten to take legal action, contact my employer, and they have called my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need to report XXXX account for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAPRemove the account immediately. Thanks. 

XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX /File # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02
Company: Avant Credit Corporation
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
i received offer from 'Avant ' in the mail, for a loan. took {$4500.00} loan, terms were for 3 years, $ XXXX/mo. payments. After 12 mos. I wanted to pay it off. I had paid a total of {$2200.00}. They demanded {$3400.00} for a payoff amount. I wanted to clear up the bill, and that was the only way. The balance would have been {$2200.00}. They charged me an extra {$1100.00} to pay it off. They stated when I talked to them that my rate was 28.4 %. This makes it over 50 %. I know it was n't a great idea to get a loan under these circumstances, but needed the money at that time, and figured I could get it paid off within a year. They basically kept {$1100.00} interest during first 12 months ( said I had only paid {$1100.00} towards principle )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I became aware that Wells Fargo Bank , NA as servicing agent to XXXX Bank XXXX, as Trustee for Adjustable Rate Mortgage Trust XXXX, Adjustable Rate Mortgage Backed Pass Through Certificates, XXXX XXXX with the aide of XXXX Law Group and XXXX XXXX XXXX XXXX XXXX XXXX filed a fraudulent APPOINTMENT OF SUBSTITUTE TRUSTEE with the Recorder of Deeds for Washington DC know as instrument number XXXX. This document has forged signatures for a XXXX XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citi bank has charged me a XXXX dollar fee because THEY attempted to charge an account I didn't provide them. I've made multiple {$100.00} dollar payments over the past few months with no issues. In addition to that I set up a {$20.00} auto payment. 

The most recent payment didn't go through but my {$100.00} payment went through 2 days later without any issues. When I go to my autopay settings their is only the one account ending in XXXX. And I can not cancel autopay.

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 2021-04-22
Company: The Outsource Group, Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I sent a debt validation letter to this company in regards to a debt being report on my credit report. The company failed to validate the debt instead they sent a list of my medical records, I know this is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to obtain and or access this information.

This Company has violated my HIPPA rights on 3 different occasions claiming to collect a debt for a company that I did not authorize to release my medical information. This company is to delete these 3 accounts and immediately stop reporting this information to the bureaus or I will take legal action. 

Acct # XXXX Acct # XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4a section 2 also states a Consumer Reporting Agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS XXXX INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Mutual of Omaha, through their own actions and inactions, has taken over 8 months to not provide me with a promised reverse mortgage on my home. I went through, and paid for, all the counselling, I paid for the first appraisal. Between the incompetence and failings of my first loan XXXX., his XXXX and their obviously neutered underwriters I was repeatedly asked for the same information already on file. Over the course of the entire ordeal, I amassed large amounts of credit card debt which have become unmanageable. Out of frustration in not being able to obtain a loan, though I met all the criteria, and 6 months after the first appraisal, which, in XX/XX/2020 was already too old to reuse, and having not heard a word about my loan after more than 2 months, I decided to abandon all hope and possibly file for a bankruptcy. I called the company, turned out they had fired my first loan XXXX and his XXXX, but never said a word to me about it until I called to quit the loan. I have no cash left, not much credit left, no income other than my SS Retirement, huge credit debt. I could not afford to try another loan. They convinced me to let them try again and not having any real choice, other than bankruptcy, I did. We are now about 3 months into a new reverse mortgage. They used some of my old data for the new loan but still had the nagging problem of poor internal communications between depts.. IN the first loan they agreed to remove the Loan Origination Fee of about {$3500.00}, but this 2nd time they will not do that. I was not reimbursed for the appraisal I paid for that expired because of Mutual of Omaha 's negligence. I rarely hear from my new loan XXXX and have taken a " It doesn't matter '' attitude because I am heading for a bankruptcy even after all this time and trouble and expense and still not getting the loan I thought was a shoe-in. I am totally disappointed with Mutual of Omaha and how they failed to produce a loan I am supposed to be guaranteed by being a homeowner over the age of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a federal student loan serviced by Nelnet. Every month I pay more than the minimum amount due. I discovered that the extra money is not getting applied to the balance. Instead they are allocating it towards the following month 's payment.     I contacted Nelnet about this in  XXXX   of 2017, sayin g that I wanted my extra money to be applied to my balance, not to advance the due date of future payments. When I went to make a payment today (  XX/XX/17    ), I noticed it had n't changed. I contacted them again and was told that my request to not advance the due date was denied on  XX/XX/17   . I was told the due date was going to continue to advance and that it should n't matter. I was told I could apply again, but it would probably be denied a second time.     So borrowers have to make a special application to request that their extra payments be allocated properly, and that the servicer can deny them and basically say " tough luck. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dispute was sent to Collection agency to resolve the issue and as of to date, credit bureau is still reporting unverified account on my consumer credit report.

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 2020-01-16
Company: EQUIFAX, INC.
State: NV
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:
This will be my third time which the first time was in XXXX and the second time was in. XXXX. The third time is in XXXX  and I am requesting to take an account off my report for incorrect information. The first two times they said they verified with the creditor that the account is verified and accurate. The third dispute is this month in XXXX of XXXX. I took matters into my own hands and requested factual information from the creditor about the account and sure enough that there was proof inaccurate stuff being reported to my account. I even sent the credit bureau proof from the creditor. 

Balance on my credit report was showing as {$17000.00} dollars which is incorrect as I have proof from the creditor of the pay off balance on the account. Date of last payment made was ruled as XX/XX/XXXX which is also incorrrect per the creditor. FCRA states that if any information is reported inaccurate they have to take it off. ' account # XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
US Bank National Association initiated foreclosure proceedings via Publication within 13 days after I received the final paperwork for the Hemp Modification from the Loan Servicer after passing the trial period for the payments cashed and kept the fourth mortgage payment while according to US Bank the account was in default.That payment was not applied to the mortgage instead my online account was deleted.US Bank offered me a XXXX Dollar bribe if I no longer would proceed.I have Senator XXXX involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Was not notified before going this was submitted to go to court, nor do I know what the collection is referenced to. The court order allowed this law firm to get payment directly from my bank account and had in fact depleted my son 's savings account to which I have not a clue as to how they were able to get his account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Hi, my name is XXXX XXXX ; i am a widow who semi-retired XXXX. I live in XXXX. The Franklin Credit Management bought out my second mortgage a few years ago when my house was upside down -- dropped almost half, and placed a lien on my property. I have been trying to settle this since then, but no avail. It is almost upsetting and frustrating how they kept on telling me to counter offer against their offer of {$31000.00} as a final settlement, but never mentioned about the expiration date, which was last XXXX XXXX. Had I known that there was an expiration date on their amount, I am 100 % certain I could have made better decision ~ different approach to make sure this burdensome ordeal would be finalized then. I had to retire from Post Office, so I did not have a regular income like before, so I was trying to see if I could lower the final settlement amount lower than {$31000.00} since I had to borrow this money. But to my disappointment and discouragement to the point of anger for their deceitful attitude -- never mentioning not even once, something like this before XXXX whenever I had called ; I called several times : 'Can you consider this offer would be expiring on XXXX? ' I have to wonder if they had to be this deceitful. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' letter to me. I had filed chapter XXXX in XX/XX/XXXX, so if someone could explain the top part of this notice ( if you want me to send you the entire pages, I need your email address ) page XXXX where it said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation ', I would greatly appreciate it since I am totally confused ; they said this debt was excused ; then, they would like to accelerate???. 
Would you pls do me a big favor to help me settle this with their initial amount for me since they dealt with this dishonesty? I have XXXX different licenses -- life and health, property and casualty, Series XXXX, series XXXX ; each ethic class I had taken for these licenses, they emphasized how important it wass to inform your customers with every important factors to help them make a better XXXX right financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

Thank you in advance for your help! THX! 
Have a good day/week! Happy XXXX XXXX! 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the past 4 months I have requested from   XXXX    the " ORIGINAL '' documents provided to them by the credit collection agencies who have reported negative accounts on my credit report. The credit collection agency is Central Financial Control and the account number is  XXXX . I do not have any knowledge of this account. Under Section 609 of the FCRA it clearly states that the credit bureaus have to have on file the with my " ORIGINAL '' signature that were provided to them by the credit agencies. After all of these months they have rightfully deleted some of the accounts reported on my credit report but to this day I have yet to receive all of the requested documents and the negative accounts have remained on my credit report. Each credit bureau have deleted some of the accounts that another bureau keeps reporting and some accounts have remained on my credit report that other agencies have deleted. How is that possible? Either they have the documents that I am requesting or they do n't. All am simply asking for is the " ORIGINAL '' documentation that they received from the creditors that have reported negative information on my  credit report that they are required to provide me with upon request and they have yet to provide me with that information yet they keep the negative information on my credit report. Could you please open an investigation and help me get my credit report sorted out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation