BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please stop all communication with me regarding this account. I do not recognize any type of bank account with XXXX XXXX  ; so I urge to remove the account if you reported it to the credit bureaus. Thank you very much!!! I have never done any business with that COMPANY and I never made any contract either!

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 2016-12-01
Company: Convergent Resources, Inc.
State: VA
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:
Convergent Outsourcing recently reported ( XX/XX/2016 ) my credit, claiming that I owe {$630.00} to XXXX in the state off XXXX. This debt is fraudulent as I have neither opened an account with XXXX nor lived in XXXX. Although I have disputed and successfully deleted this debt with all XXXX credit bureaus, at least XXXX times in the past, it keeps reappearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: PHH Mortgage Services Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I had been working with this mortgage broker for over 6 months with a pre approval letter he told me that I qualified for a loan for XXXX. After looking for a home and submitting all the paperwork ad setting a closing date. I do n't get the home that I want. He kept lying to me about my credit, or my debt to ratio, or have n't been on my job long enough.

Company response to consumer: Closed
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2016-08-05
Company: PHH Mortgage Services Corporation
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred by PHH Mortgage to a third party mortgage service company without formal notice to me my PHH Mortgage. Complaints and questions were met with a telephone tree of customer service reps with no answers. Further escalations resulted in form letters and evasive conduct by PHH Mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have requested my credit to be frozen by XXXX upon noticing a drop on my credit score, and requests for credit information that I did not recognize, all in the first week of XXXX. 

Three financial institutions have requested my credit score, and at least two of them opened an account on my name. All these accounts issued used my current address as well. 
1. XXXX XXXX XXXXXXXX ( XXXX ) - the bank sent me a personal letter requesting more information before opening a XXXX XXXX. I reported the fraud attempt, and they did not proceed any further. 

2. Webster Bank in Connecticut ( XXXX XXXX ) - a checking or savings account was opened in my name. A debit card was issued. I called the bank, notified the fraud, the account was cancelled but they refused to give me any information regarding the event. 

3. XXXXXXXX XXXX XXXXXXXX XXXX in New Hampshire ( XXXX ) XXXX ) - I noticed the request for my score and called the Bank. They informed that any type of account requested was immediately cancelled, but no more information was given. 

A legitimate inquiry I recognize is by XXXX, were I cosigned a student loan for my son, around the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid my balance with Capital One on XX/XX/2020 of {$660.00} and they say it will 7 days to credit my balance even though they received the funds on XX/XX/2020. I could understand 3 days but not 7 days? They say they can hold whatever amount for 7 days after it clears.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX see attatched Reported by USAA account XXXX XXXX ) WAS account ( XXXX ) ** SOLD TRANSFER/SOLD see attatched XXXX  USAA XXXX OF DEBT ** DEBT DISCHARGED {$XXXX}, XXXX XX/XX/XXXX USAA XXXX TO XXXX  FOR FINANCIAL GAIN THEN SELLS ACCOUNT?? I HAD TO PAY THE {$XXXX} IN TAXES. see number on form call more information XXXX XXXX XXXX it is a usaa number that says ANYONE COLLECTING ON THIS DEBT IS ILLEGAL.?? USAA CONFIRMS THIS ACCOUNT IS NOT OWED TO IRS IS DELIQUENT TO CREDIT XXXX & XXXX THIS DEBT CARDHOLDER NOT LIABLE? USAA HAS DESTROYED MY CREDIT. AND SOLD FRADULENT GOODS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX and XXXX XXXX have two mortgages thru Shellpoint Mortgage. On XX/XX/XXXX they suffered a total loss on their home which was insured thru XXXX XXXX. 
The contacted Shellpoint in XX/XX/XXXX and got two mortgage payoff 's, they next sent the XXXX XXXX check which was payable to both them and Shellpoint Mortgage for the 1st and 2nd mortgage. The difference between the funds from XXXX XXXX and Shellpoint the XXXX got a check and sent from XXXX XXXX XXXX. Both were received by Shellpoint, they acknowledge they received the checks but are not applying them to the 2nd. Over a month has passed and interest is accruing, soon to be 30 days behind because they have not applied the payment. Several Customer Service people, Loss Draft people and supervisors have been contacted with no help or return call. 
We need somebody to properly apply the funds sent and release us from this mortgage. They need to make the payment retroactive as they have had the payoff funds for at least 45 days. No one seems to help they just pass you around to the different departments. Also XX/XX/XXXX loss of two payments made to DITech.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was shopping at old navy when the cashier asked me if I wanted a " rewards card '' I asked her if it was like a credit card and she said " No '' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for an old navy credit card '' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be rewared for getting people to take out credit cards but no one is trying to fix this problem, and last I spoke to the collectors, they said they would send me a dispute form and I have not heard from them since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my loan servicer changed apparently which I discovered when my payment was returned. My old company very nicely helped me get the new company information which I input into my online XXXX XXXX billpay. 
That payment was sent out and recieved successfully several months. 
Then my XX/XX/XXXX payment was rejected by PHH Mortage and returned to XXXX XXXX creating a late payment and fees and so forth. My repeated calls to PHH resulted in being treated like a liar and an XXXX when i clearly had proof of successful payments and a rejection by PHH of my payment through XXXX XXXX. 
Now PHH refuses to work with me and has assessed fees of various kinds and i am sure has dinged my credit. 
I do not want to work with this company and feel they are a terrible company. 
I did not consent to have my loan servicer changed and want my old one back! 
I cant be looking forward to 30 years of this TERRIBLE customer service and deceptive practices. 
https : //www.phhmortgage.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: PHH Mortgage Services Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Refinance was refused due to improper appraisal. I was charged for incorrect appraisal. Appraiser did not know market area ; did not perform a complete inspection ; included blatantly false and misleading statements on appraisal ; did not use similar properties in similar locations for comparable values ; misidentified zoning classification ; misidentified neighborhood and amenities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the account with the credit reporting agency, contacted the original creditor who verified there has never been an account under my name, date of birth, or social security number. Yet the collection agency doesn't remove the negative and false information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03
Company: EQUIFAX, 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:
The last four of my social security number is XXXX. Please investigate the following information. XXXX XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The term duration is incorrect. Correct it or delete this account. XXXX  # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high credit amount is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. XXXX XXXX # XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The public record # XXXX. I contacted the bankruptcy court concerning this account and they told me they have no record of this under my personal information or social security number. They also told me they do not report anything to credit bureaus for no bankruptcies at all. I have also contacted the data furnisher XXXX XXXX you have listed on my report and they also conveyes to me they do not have any information under my complete name, address, date of birth and full social security. Please remove this Public Record of my report for false reporting. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: PHH Mortgage Services Corporation
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I assumed a loan from PHH mortgage. The original loan amount was XXXX. I assumed the loan in XXXX, at that time the insurance changed from XXXX to XXXX It was part of closing, the amount of the payment changed also, It was appx. XXXX. I began to pay an even XXXX In XXXX the mortgage company sent out an escrow statement indicating that I had a shortage because the insurance had changed. The insurance did not change in XXXX. The amount of the payment had already changed. They then asserted that the payment would be XXXX. I disagreed and requested they audit the account. The change in the insurance was appx XXXX and had been included in the closing and the payment of the loan so any shortage was a mistake on their end. Also, a XXXX change would not initiate a XXXX, which is indicated if the amount of the monthly payment is changed by XXXX as they assert. Their response was that their analysis was the audit, it was right, and there was no need for an additional audit. They then began calling the previous borrower that the loan was assumed from regarding this issue instead of working with me to resolve it. They sent me a letter of default indicating that the mortgage is behind two payments which it is not. I contacted them again, and they said they will initiate an audit for XXXX but can not halt the change in payment until the audit is done because they are sure that it is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2020-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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:
I have made my payments on time going back a long time. Sometimes it is close to the due date, but they keep hitting me with Late Payment Charges and I have to call them to try to get it removed. I even noticed it on my Credit Report a few months ago and had to dispute it. Each time I call and fight with them over it, they give me a credit for the late fee that I should not be getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a mobile app service called XXXX XXXX on XXXX/XXXX/16. The service did n't work for me and so I requested a {$99.00} refund from the merchant on the SAME day. The merchant refused to grant me a refund because I clicked on the link they sent me to access the service which " voided '' the refund policy and made me ineligible for a refund. This was the most ridiculous thing I 've ever heard. Of course, I will click on the link to be able to try it. I do n't know how else to do it. 

I then went to Barclay credit card to dispute this charge and after a month, they came back to tell me that they can not credit me this amount because of the terms and conditions on the merchant 's website. I was grossly stunned by this lack of concern for their consumers who they do not protect from these fraudulent charges. I 've been a loyal customer who paid her bills on time and this is what I get? I do not care if I get charged {$1000.00} for a transaction as long as this is something that I CONSUMED. I refuse to pay charges that do NOT benefit me at all and so I request that the Barclay credit card company credit me back these fraudulent charges that reflected on my account on XXXX and stop this unprofessional practice of helping merchants rip off their own 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 explanation
Consumer complaint received 2017-05-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was a victim of account fraud on my chase account. I contacted the police department when I noticed a  XXXX  transaction on my account that I did not authorize. I was in possession of my ATM card. The police went to the gas station where the transaction took place and they pulled the video surveillance and they were able to identify the suspect. The y have a warrant out for his arrest. I contacted my branch manager and he explained that I am insured and that the money would be put back in my account. Months later, Chase said they did an investigation and found that there was no fraud and took my money back out. My branch manager called the detective and provided the fraud depart ment at chase the police report number and the detective offered t o give then the video with time stamped proof of the suspect and provide written proof of the warrant. The fraud department refused to take the evidence even though I am supposed to be protected and insured. I am begging for help. I have any and all evidence needed. My branch manager was outraged at the way the fraud department handled  this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The issue is with Private Mortgage Insurance ( PMI ) charged during Loan Payoff. PMI was charged for the whole month. After refinancing my mortgage loan, although I closed on XXXX of the month and lender charged PMI fro the whole month

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Fedloan Help
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX/XXXX/2016 Fedloanhelp.org had an Ad on XXXX to reduce student loan payments. I clicked on it and spoke to XXXX and XXXX. They both explained their company was a not-for-profit and they would assist in the paperwork needed to work with the Department of Education and my loan service provider, XXXX. They asked for my bank account number to setup the new reduced payment, XXXX XXXX and had me electronically sign an agreement all in one call. They stated I would get a package in the mail to confirm everything but that never happened. 

On XXXX/XXXX/2016 this company started debiting my checking account for {$100.00}. I sent documentation to XXXXXXXXXXXX asking why since XXXX had sent me an email stating XXXX was due for the 12 months. His response was this " Your payments are always made in advance because we never want you to be disqualified from the program for non-payments. That is why we set it up this way for all clients so they do not have to worry about any problems in the future. '' On XXXX/XXXX/2016 this company debited my checking account again for {$100.00}. 

On XXXX/XXXX/2016 I called XXXX and spoke to XXXX. I asked if those 2 payments reflected on their system. The representative advised Fedloanhelp.org was a fraud company and that I needed to file a complaint with the Consumer Affairs. 
On the same day I emailed XXXXXXXXXXXX the following : " The last 2 payments your company has taken out of my bank account do not reflect on XXXX 's website as being applied to my loan. What is going on? " As of XXXX/XXXX/2016 I have not received a reply from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief