BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-06
Company: Selene Finance LP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX serviced transferred a loan during a loan mod review 2 weeks before foreclosure deadline. We had been under going a review atleast 2 months 6 weeks before and file was complete. When we called Selene Finance whom the loan was transferred to, they said loan mod was denied and no time for any other options. I requested a last ditch effort to atleast help client get a short sale approved in order to avoid foreclosure, and they have never tried to postpone a sale before. This is their first Foreclosure date and we are asking Selene Finance to give us one shot at this. The seller is single, with XXXX kids, XXXX with XXXX, and they have nowhere to go. I 'm pleading your help to get Selene Finance to grant a short sale review and relocation assistance if possible she can qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In   XXXX   XXXX  , I received a notice from Bank of Americ a ( BofA ) st ating that my mortgage account is being transferred to  XXXX   XXXX   XXXX  (  XXXX  ) effective   XXXX   XXXX   XXXX  . No problem. At this point, I had an outstanding balance of {$7600.00} under BofA. In   XXXX   XXXX  , I received a statement from  XXXX  stating that I owed an outstanding balance of {$20000.00}. WHATTT!!!!! I wrote  XXXX  on   XXXX   XXXX   XXXX   disputing the outstanding balance. I received a letter from  XXXX  dated   XXXX   XXXX   XXXX   ( and received    XXXX   XXXX   XXXX     )  stating that I owed {$11000.00} for " property preservation ''. I do not dispute the " property inspection '' or the " property registration '' fees, even though I do not know why I 'm paying these fees. I am disputing the fee of {$11000.00} for " city/notice violation ''. This was the violation incurred by BofA when they did not list my property as foreclosed under  XXXX   XXXX   XXXX . I contacted BofA numerous times for them to pay this violation ( not incurred by me ) and they contact me via email on   XXXX   XXXX   XXXX  , stating that these violations were resolved. It seems that this violation is not resolved and I am being stuck with the charge.   XXXX   stated that I had to revolved this issue with BofA in order for this charge to be removed.  BofA  did not resolved this charge and I need your help to resolve this issue.

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 2020-04-09
Company: HOVG, LLC
State: FL
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 company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
TransUnion had my disputes as of XX/XX/XXXX Investigation was complete as per the Supervisor XXXX XXXX on XX/XX/XXXX but no updates were completed as of XX/XX/2022. 
TransUnion has reported on credit report that I am 30 days late with Freedom Mortgage and they told me they are not reporting late.

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 2017-02-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted Equifax 's departments in regards to complying with federal law and statutes on my credit reports under the following federal acts regarding credit reports. The following acts Equifax is not complying with is as follows fair credit reporting act section 609, Federal Trade Commission fair debt collections practices act of Time-Barred Debt of Seven to Ten Years. I have contacted the subscribers of my inquiries and they have advised me they had no issues and to contact Equifax of which Equifax have been uncooperative in removing inquiries as well as an account for XXXX that was written off to collections of which XXXX sent to the collection agency to collect which means they forfeit their right to collect the account. I also tried to report to them about cleaning up and deleting historical information which has lead to identity theft of which I now have identity theft insurance with XXXX companies because of their refusal to purge it and update my records as I requested two years ago. I am doing this as a last resort before I file lawsuits against them in federal court for non-compliance with federal laws and state statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: TX
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:
I originally had a XXXX loan with XXXX XXXX XXXX XXXX. I was always on time and never late. I received an account closer email that I closed my account and that my account was transfered to a sister company XXXX XXXX. Shortly afterwards, XXXX XXXX began to report incorrect amounts on my credit report. I called them to see what was going on and they told me that they were a debt collection agency. This was a breach in my original loan agreement, I can't get online to see my original contract and the interest amount does not reflect. They have reported incorrect information to my account. They also illegally obtained my bank account information from the original company. XXXX XXXX was posing as a loan servicing company while XXXX XXXX XXXX XXXX has not responded to the veterans or service members about their closure. Several complaints have been made about this and they continually report wrong information when disputing them. They are not the same company and they show paperwork as if they are the original loan company.

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 2015-08-19
Company: Amsher Collection Services, 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:
Keep receiving automated telephone calls indicating they are Amsher Debt Collection Agency calling in regards to a debt. No debts - nothing is owed to anyone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XXXX 2014, I consolidated all my federal student loans, which at the time were being serviced by Navient ( f/k/a XXXX XXXX ), under the Department of Education 's consolidation program. The loans serviced by Navient were paid in full and I began making my payments to my new servicer, XXXX. Recently, I was contacted by Navient and told that I owe them money from interest that had accrued on the loans that have been paid off since XXXX 2014. I should not owe them any money, because the loans were already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
REOCCURING VIOILATION Capital One Credit.deliberately fails to report " ACCUATE '' balance informtion on my XXXX XXXX XXXX credit report. On XX/XX/2022, my balance was {$330.00}, On XX/XX/2022, a payment in the amount of $ XXXX made and posted to my account on XX/XX/2022. As of XX/XX/2022, was {$160.00}. On XX/XX/2022, according to the Capital One automated system, my balance was {$160.00} and a payment for the amount {$160.00} was made on XX/XX/2022 confirmation code : XXXX. As of XX/XX/2022, my balance should be ZERO!!!! Instead Capital One Credit generated a statement stating my account balance was $ XXXX be paid by the XX/XX/2022. Capital One Credit violates Truth in Lending Practices and Fair Credit Reporting. I should not have had to pay {$2.00}. On XX/XX/2022, the pay of {$2.00} was paid and posted to my account. On XX/XX/2022, According to my Chase Journey Credit Report, Capital One Credit states my balance is {$330.00}. The information is incorrect and I am demanding Capital One Credit correct the in accurate information IMMEDIATELY. Also, notify the other credit reporting agencies of the correction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03
Company: JPMORGAN CHASE & CO.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't owe this debt. i have not lived at the address listed for over 18 years. This is the first time I have EVER heard of a Chase card or the people who have garnished my wages in regards to this matter. I am being forced into poverty as the result of these people taking a literal pen and writing in almost XXXX worth of charges. on me and throwing my finances in a downward spiral. I am losing everything I have, because of this. I can not afford a lawyer because I am penniless right now. How are they being allowed to do this? This through my bank account into overdraft because I budget for my expenses and paycheck was not enough to cover my bills. I ca n't sleep nor eat, because my utilities will be disconnected in XXXX degree heat in Alabama. How are these people being allowed to steal? I do n't know these people, I have NEVER had a Chase account Ever! Yet, these people want to steal over {$12000.00} from me. If this can help one person, then it has been worth it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: Selene Finance LP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I need help I am behind on my mortgage but I sent in a partial payment the mortgage company is holding that money not applying it to anything, any time I send in money to go with that amount to make a full payment it is sent back to me. I continue to call, email requesting the money be refunded to me but they refuse. If I had those funds I could make a full payment but they are just holding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our closing has been rescheduled 3 times because the loan processor keeps losing our paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was injured at work and finally received my impairment benefits through Texas workers comp. Unfortunately the insurance carrier did not submit funds to my current account and sent them to a closed account.

USAA then decided it was appropriate to tell me that my account was closed and charged off, which I was never given the opportunity to remedy the situation. 

However they have deemed it appropriate to keep XXXX dollars of impairment benefits from a work injury which is federally protected from leins and levies. At this point I am so tired of fighting USAA for them thinking they are above the federal law and state of Texas laws about the funds they are choosing to recover. Exempt funds are exempt for a reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Long story short Prestige has deliberately falsify information to my account by not crediting payments and adding fees to my account. These are predator lending tactics by increasing the balance of the loan. Example balance was XXXX one month the next month its XXXX The duration of loan was 60 months beginning on XXXX XXXX2013.
there has been a total of 48 payments paid including 2 lump sum payments and attorney fees. Also they never reduced the interest rate as stated in the contract after the first year ... .Prestige is reporting inaccurate balances and misleading information on balance and payoff. I DO NOT OWE XXXX on this loan.
This is disputed by myself and the Bankruptcy Court.
Prestige are steady harassing me about my loan with unwanted phone calls about my loan is 27 days late, and threats .The loan is current and ahead, if they would apply the payments correctly. Prestige needs and give me credits for lump sum payments that were never applied to the principle balances ...
Prestige has very bad history of scamming consumers. Consumer reviews are the worst ever ... This needs to stop!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: NJ
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 an 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 2021-03-11
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing, Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX sent me a bill for {$610.00} ( {$270.00} account balance + {$340.00} equipment cost ) from an unspecified company. This bill was unknown to me, so I called Convergent, and they offered to send me a fraud packet, which they did. the fraud packet requires a notarized affidavit, a copy of my driver 's license, a police report and a utility bill, and the form ( " Identity Theft Victim 's Complaint and Affidavit '' ) requires a lot of PII, including my driver 's license # and SS #. I XXXX  Convergent and read that they're a scam.

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 2016-05-11
Company: Talbot, Adams, & Moore, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On the morning of XXXX XXXX, 2016 I placed a call to Spears, Dewitt and Hall in XXXX XXXX Texas with the intention to resolve XXXX of XXXX accounts and post date a payment for the second account til a later date in the same month. 

The first mistake the collector made was she gathered my routing and account number before telling me there was a {$25.00} fine for processing a check over the phone. I thought that was way to much so I told her I would then mail in my payment. The collector grew angry with me about this so I requested to speak to her supervisor. The supervisor said she would n't wave the fee but would settle the account at {$25.00} less. I told her I did n't want to settle because of how that would affect my credit score. She continued to push me into the settlement. The supervisor also told me that the first account I was wanting to pay that day has already been resolved. I asked for a receipt and I hung up because she continued to push me to get the second account resolved. 

Immediately after my hanging up a collector who identified herself and as a payment processor for the company called back asking for the payment again. The second collector who called back did not state the Mini Miranda before attempting to collect. 

The following Tuesday on XXXX XXXX, 2016 I noticed a missed call from the company on my caller ID followed by a XXXX second silent voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and this account is not mines. i have called the company and credit bureau multiple times to get it removed and block. please remove this account asap please. This account opening dates also do not match on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an Apple Card through Goldman-Sachs . I keep trying to make a payment, but the system says nothing is due at this time. Ive messaged and called Customer Support several times and they say I have a credit on my account, nothing is due, and the system will update my balance when it resets. Ive also been promised several times my credit will not be affected. The system never resets and Im getting collection emails and reminders on my phone. Ive called ( and done online chat ) MULTIPLE times and nobody can fix the error that Goldman-Sachs reps tell me is their issue. 

Ive even asked the phone rep to make a payment on my behalf and they cant because of the Goldman-Sachs system . Its been escalated and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax and XXXX  verify their public records. 
I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. 
I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. 
Being that I work for a XXXX XXXX, I know the court system and their procedures but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. The manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuse to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation