BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2021 Called the MRS BPO at XXXX and advised that I received letter # XXXX. I advised them that the debt was included in chapter XXXX bankruptcy. I advised her that it is against the law to contact me or try to resale the debt. The rep asked my name so I gave it to her. She then said she should I had 2 last names and I advised my name again and the name shown on the letter. She then hung up and when I called back didn't answer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My current loan company, Caliber home loans, paid taxes on a parcel number that was not mine, and was actually discontinued before I bought my property ; from my escrow account and now will not refund my money. To add insult to injury, they are wanting me to pay more money into my escrow account for my taxes when they used my money wrongly. They made XXXX payments of XXXX $ to parcel XXXX and XXXX payments of XXXX $ to parcel number XXXX, neither of which have ever been mine. Total of {$2700.00} which was removed from my escrow account and never returned. I also paid an installment for XXXX for XXXX $ I have filed many complaints and have been trying to get it solved for over a year now. They told me to give them more time. I called in 3 months, and the representative had told me they closed my compliant without resolving it or refunding my money. I want some one to be held responsible for this error and want my money refunded into my account instead of them trying to take more money from me. I have always paid everything on time and all my paperwork and payments have been on time. Please help me solve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This debt collector keep calling my home phone. When my dad or my mom picking up the phone they hung up. They were bothering my parent resting. Also, they keep calling my cellphone in the morning, afternoon, and in the evening past XXXX XXXX. I spoke with them before on the phone, they 're aggressive and had an attitude at me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The presiding XXXX XXXX Circuit Court Judge entered a Summary Judgment in 2015 that dismissed Discover Financial Services claim. Discover has persisted in efforts to collect this debt & declined to remove this baseless claim from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Flatonia Investments, LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I filed a complaint ( case # XXXX XXXX against Envoy Mortgage. The exact same thing happen this year in XX/XX/XXXX. I ( again ) had to call XXXX who indicated Envoy would have received documentation 45 days before the date of expiration of the master HOA policy so there is no reason they need to send me these letters every year. Further, none of the other mortgage holders for units in my building have this problem. So somehow Envoy is doing something that is not industry standard/mandated by the CFPB otherwise why are they they only one harassing the mortgage holder for verifications they have already been sent? Please stop harassing me every year. Please get Envoy to stop sending me harassing letters asking for information XXXX has already sent them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2021-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
{$79.00} was charged to my Bank of America Mastercard on XXXX. I called BOA while the charge was still pending to alert them of the fraud, but they let the charge go through and denied my claim after investigating.

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 2015-06-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HSBC is refusing to accept Qualified Written Requests ( " QWR '' ) under Section 6 of RESPA. 

HSBC sent me a notice that it had transferred the administration of my loan to XXXX, and that any QWR was to be mailed to an address of XXXX. A copy of the notice is attached. 

I wrote HSBC a QWR in XXXX XXXX. I mailed it and faxed it. I also filed a complaint with the CFPB. My XXXX tax payments were in arrears, although I had paid for them through my escrow account. 

I received a letter back from HSBC in XXXX XXXX, stating that the bank got my CFPB complaint, and my fax to its service center. However, HSBC claimed it did not receive a copy of my letter to the address it specified for QWR 's ( XXXX XXXX XXXX ). That is a DIFFERENT address from the notice they had sent to me before. They discussed my issues from CFPB, but said they would " not consider [ my letter ] to be a QWR as defined in Section 6 of RESPA. '' A copy of HSBC 's letter is attached. 

I sent HSBC another QWR in XXXX XXXX, and again filed a complaint with the CFPB. My taxes had still not been paid from my escrow account, and my house was now in foreclosure. I sent the letter to the XXXX XXXX XXXX address HSBC had said it designated for QWR 's. A copy of the certified mail receipt is attached. 

Yet, I received a response letter from HSBC in XXXX XXXX, AGAIN stating that they had not gotten it at the proper address and that they would therefore " not consider it to be a QWR as defined in Section XXXX of RESPA. '' A copy of HSBC 's letter is attached. 

I want to know that my letters from XXXX XXXX and XXXX XXXX are each QWR 's. I want confirmation that the XXXX XXXX letter in particular was received by the proper unit designated to receive it. I also want an explanation why a CFPB complaint or a complaint to any HSBC service center does not get treated as a QWR under law. I do not want HSBC acting as if it can selectively ignore RESPA by denying complaints QWR status. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I checked my XXXX link went to transunion then to changes and found these inquiries that was added to my report that I did not apply for than it was removed, I never got a notification from transunion of these inquiries happening

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 2021-03-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XX/XX/XXXX I settled an account with Wells Fargo. It was a closed account on XX/XX/XXXX. It was a student credit card that I settled the debt amount and it still shows as a closed account on my credit report and has been negatively impacting my credit report. I am about to graduate college and it has been preventing me from building my credit score back up. I already called their offices but they refuse to release it off my credit report. Please help get this off my report, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal closed my account for no reason and will not help me whith getting it back up and going i am not sure if this some mistake as i assume it has to be i have not been able to get help from them for months but i just rememberedi could file a report on here as i feel they are not doing their job properity and it is effecting me a great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account that had gone into collections for the amount of XXXX with XXXX XXXX through XXXX different collection agencies. XXXX that had opened XX/XX/XXXX through XXXX with no closing date yet last reported on XX/XX/XXXX. 
I then had another through XXXX that was opened XX/XX/XXXX with no closing date that was last reported on XX/XX/XXXX. 
This account was directly paid through XXXX XXXX on XX/XX/XXXX in full. It shows on the credit report through Transunion and XXXX that the balance through both companies was paid to collection with a {$0.00} balance, yet they are still on my credit report affecting my credit score. Due to the fact that both have given specific dates that this was reported and paid in full I believe they should both come off of my credit report helping to restore my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion is reporting a misspelling of my name. They are also reporting that I am unemployed. I am employed full time. 

XXXX is reporting an address that I have never lived at. They are also listing me as being unemployed. I am employed full time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX Credit Bureau regarding inquires on my credit report. 

It has been well over 30 days and I have not received any investigation results from XXXX regarding the inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Transunion is denying that they have a credit report for me, and/or refusing to provide me with a free copy of which I am entitled to per the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX XXXX listed, never lived in a XXXX XXXX , my current address isXXXX XXXX XXXX, Ct XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Justice Finance Company
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan with Justice Finance in XXXX Texas. I lost my job and was unable to keep up with payments. Since I have been unable to make payments, they have been contacting relatives, who have nothing to do with the loan, and disclosing information pertaining to the loan, as well as making disparaging comments. The last time I spoke with them, I informed them that my Father had died, and that I was in the process of making arrangements for the funeral, as well as that I was still unemployed. This week they contacted my Mother, and made the comment that I owed them money, and that " I had the nerve to say that I was dealing with a funeral. '' I NEVER gave consent for them to discuss my loan or circumstances with anyone other than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A review of my credit report has identified a public record dated XXXX/XXXX/XXXX. This public record is a civil judgment regarding a bad debt to a credit card issuer. While the original trade-line has been deleted and replaced with the judgment, the original Date of First Delinquency was XXXX XXXX. It is due to be deleted in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: MA
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:
The following account could not be verified or validated by XXXX XXXX store card. All information including SSN, Address, DOB and account numbers were provide in the request. 

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the 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 2016-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The agencies say they have provided my free annual report, but the only report that will display will XXXX. XXXX has an online dispute, but the system is always " temporarily down '' when trying to submit a dispute. They asked that a manual form be filled out and sent. I ca n't dispute incorrect items with XXXX and ca n't even recieve the free reports from the XXXX other agencies.

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 2015-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In XX/XX/XXXX, XXXX XXXX reported a hard inquiry dating back to XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a Mortgage Loan with a bank, XXXX XXXX. This property was returned in foreclosure in 2013. It still appears as open accounts. They should be closed accounts now. XXXX XXXX went bankrupt and does not exist anymore.

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 2015-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
According to my credit report dated XXXX/XXXX/2014 my XXXX XXXX utility bill is more than 90 days overdue. However, I have not missed a payment since opening the account XX/XX/XXXX. The credit report also states that the account is current, but the payment is late. I have disputed this with Transunion but have not gotten a response. I will mail supporting documentation via USPS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
MyFedLoan claims to have 'one goal : to help you successfully repay your loans. ' However, 57 % of people qualified to income based repayment plans did not re-certify in time likely due to poor communication on the servicer part, to the point of negligence and with harsh, irreversible and unforgiving penalties. 

In my case, I received one single email reminder during my busiest part of XXXX. I was obviously XXXX, overworked, and more focused on XXXX than my own financial well-being. I thought I filled out the re-certification, or perhaps it was another form for public service loan forgiveness but must 've overlooked the email. FedLoan servicing ended up automatically placing me back on standard repayment and capitalizing almost XXXX in interest on top of my principal. This will end up costing me thousands of dollars because I overlooked one email. 

In our society where we are inundated with emails and reminders, for them to only send one notification about something with such severe ramifications if missed is criminal and definitely not in line with their supposed goal of helping me re-pay my loan but turning around and flippantly increasing it. Their other notifications require me to open their email, then click a link to go to their website, log into that as well then download a pdf. Multiple steps that as a XXXX I just do n't have the time to do. I am part of a group that will absolutely pay back my loans but the way the system is set up now is that only people who have financial support can possibly get into and finish medical school and residency. 

The student loan rates are out of control compared to current other average rates with no way to re-finance and it is simply impossible to work other jobs for funding during training so either we take out loans or are supported by rich parents. This is a terrible system, we do not want a society where the only people becoming the caretakers are the rich ones who can not relate to the majority of the population. 

I called multiple times to attempt to fix the issue and was told I had to go into hardship forbearance and that was my only option, however after looking online, there are people who were able to find a rare kind soul at FedLoan servicing who would help reverse the capitalization. This is no longer possible after you enter hardship forbearance, so in fact I was told the wrong information and will suffer for it. Not only will I suffer, but now part of my focus is distracted from what really matters - which is becoming a XXXX - to self preservation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing adds an additional payment every XXXX to my account illegally. Now my past due is 3 payments which shows approximately {$2100.00} balance. I have made every payment and not missed a month. Yes, they do have me on the Covid relief program but I still make my payments. This additional add on is illegal.

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