BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-23
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Asset Acceptance has continued to report a debt which is not mine and which they have not previously validated as I had requested in 2011. I have attempted to correct the disputed information with my credit bureaus, and XXXX and XXXX have removed the account while XXXX has refused to review the investigation. Because of the continued reporting by Asset Acceptance and lack of review by XXXX it is causing significant hardship in obtaining a mortgage for a primary residence with which I am in contract for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: FREEDOM FINANCIAL NETWORK
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I have been trying to work with this company for 2 years. They have done absolutely nothing for me. I have paid them a large some of money. They refuse to respond to my emails. I have not heard from them in a very long time. They agreed to refund some of my money but that was months ago. 

They only deal with my friend but we are getting the runaround from them. 

All the information online was misleading. I did not get access to the client dashboard. I never received any paperwork. I did not get a separate account. 

Paid for priority mail and never received anything. 

I kept sending copies of the letters from debtors and they kept saying everything was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recently requested from my loan servicer Mr. Cooper ( Nationstar ) to remove the PMI from my loan as the LTV has dropped below the 80 % threshold, I have had no late or missing payments in the 5 1/2 years I've had the loan, and the property value has increased substantially. I received a call today from a person in their Insurance department, and he told me that the removal of PMI was based solely on the original amortization of the loan, and I told him that the guidelines clearly state that it also states 'based on actual principal payments '. 
Mr Cooper is in violation of the XXXX Guide section 8203.2 ( a ) Borrower-requested cancelation of Borrower-paid mortgage insurance based on the original value. 
The original purchase price of the home was {$130000.00} in XX/XX/2016, and the loan was originated with a 5 % down payment, which brought the pricipal balance down to {$120000.00}, or 95 % LTV. With my most recent payment, the principal balance is now {$100000.00}, or 79.74 % LTV.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have placed this under " Making Payments '' as that seems to be the best option, but really does not apply to my situation. Bank Of America held the mortgage for my property that was sold through the HAFA program back in XX/XX/XXXX. The short sale process was completed and transferred out of my name XX/XX/XXXX. BOA issued the XXXX to me for the cancellation of the remaining debt. XX/XX/XXXX I received notification that this mortgage has been sold to XXXX XXXX XXXX. Called XXXX and was informed the documentation they received from BOA reflected I was XXXX months delinquent and the property was in process of foreclosing. I now owed an unpaid principal balance of {$61000.00}, interest {$15000.00}, corporate advances {$790.00} and escrow advance of {$380.00}. I informed them of the short sale that was completed on the property back in XX/XX/XXXX and I would fax a copy of my XXXX and contact BOA. Placed a call to BOA XXXX short sale dept ) and the information was reflected in my records that the sale was completed, with no balance due, XX/XX/XXXX and they would forward it on to XXXX. Since the information that was transferred from their foreclosure department, I asked to be transferred to that department. They informed me since my " loan '' had been sold, they could not give me any information as all documents had been forwarded to XXXX. I explained the situation again ( the short sale completion ) and basically the information they had sent to XXXX was erroneous information and I needed for them to correct this ASAP. I needed some sort of documentation from the foreclosure department XXXX information they could access through THEIR short sale dept ) stating there was NOT any foreclosure proceedings on that property and no balance was due and it was no longer in my name and there was no mortgage to be sold. The only option they made available to me, was to file a complaint and wait for one of their agents to contact me. I asked that it be placed into some sort of escalated or urgent status and the response I received was, " I will try but I ca n't guarantee anything ''. I waited XXXX hours for a call and when one was n't received, I called them back. Today I was informed it could take up to XXXX hours for this return call. Which means they have another XXXX hours to respond. In the short sale process with them back in XX/XX/XXXX, I am not holding my breath, as I seemed to get the same run around then as I am now. That is why I am not waiting another XXXX hours and filing this complaint. Not only is my credit at stake, which has been rebuilt and I have recently purchased another property, but my sanity is also at stake. I can not understand how a banking institution can sell a non-existent mortgage and then how, it has become MY problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: OH
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 not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: NJ
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:
Cheating me out of my repayment rights. Reporting to have had defaulted my loans, also end up damaging my credit score. Also they are being sued also by federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: WI
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:
on XXXX. 
thi credit bureau refused to remove a fraudulant account on my credit report XXXX XXXX  XXXX I have attached a copy of police report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I attended XXXX from XXXX to XXXX and I was paying for my tuition. I was working two jobs during that era and had no financial difficulties. XXXX official or their financial department called me up to sign in for student aid from XXXX, I told them that I do not need a loan and they told me that each student had to sign in for a loan. Since I was new in the country I did not know what all that loan process was. Nevertheless, I did sign some papers in their financial office but I had never received any money from XXXX or from any company concerning federal student loans. 
I hereby submitting this complain against this company called Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I saw a transfer of {$320.00} on my checking account with no explanation of the transfer. I then called the bank, Navy Federal, to inquire about the transfer and the rep informed me that it was transferred to a credit card. She stated that I, the consumer owe this alleged debt, stating that it was in an agreement that I am not aware of. I did not authorize of expressly authorize any amount to be transferred to any alleged debt they are stating that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a XXXX XXXX, with a vacation home in the USA. I have had a checking and savings account with HSBC USA for about 5 yearsAbout 6 weeks ago, the HSBC USA regulatory team contacted me by e mail, for additional information. Specifically, they needed my Social Security number, and details of my XXXX.As I was in XXXX at the time, I was asked to present these to a local branch in XXXX to have these 'verified '. On XXXX the XXXX XXXX, I brought these items into the XXXX branch in XXXX, with details of where to send the verified copies. I was assured this would be done. 
Long story short, HSBC USA never received anything, and without any prior warning, I discovered yesterday that they have cancelled my accounts with them, and have advised that a check will be mailed to me in 7-10 working days. I have now opened another account with another provider, but until I receive, and cash the check from HSBC ( approximately {$22000.00} ), I have no means of adding funds to my new account. 
This has left me without any means of getting and cash, and without a local credit card. Furthermore, I have a number of direct debits set up, which will no longer be honored. It is likely my credit rating may be negatively impacted if or when a direct debit request is declined by HSBC USA. 
I am extremely unhappy I was not contacted to be told there was information missing, or given a chance to rectify the problem now I am here in the USA. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: FinCo Services Inc DBA Current
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
I have a CURRENT VISA card and there were 2 transactions I was charged for that I know nothing about : 1 ) XXXX charge for {$49.00} on XX/XX/XXXX at XXXX, 2 ) XXXX XXXX for {$7.00} on XX/XX/XXXX at XXXX. 

I tried to dispute the first charge and was unable to get customer service support, so I blocked the vendor from being used again. 

After the second charge I was more persistent and finally got customer service to hear about my dispute. In searching through the details, I see there were other attempts made against this account, but I transferred all of the money out. Examples include : 1 ) XXXX at XXXX card was declined by XXXX  due to incorrect expiration date 2 ) XXXX at XXXX card was declined by XXXX  due to incorrect CVV number 3 ) XX/XX/XXXX at XXXX to XXXX card was declinedbyt Whitepages due to balance 4 ) XX/XX/XXXX at XXXX card was declined by XXXX XXXX due to balance . 6 additional attempts made to this vendor. 
5 ) XXXX at XXXX and XXXX at XXXX, 2 additional attempts were made to charge my card for XXXX purchases XXXX 

A formal dispute was filed with Current on XX/XX/XXXX. My card was cancelled and a new card was mailed to me. On XX/XX/XXXX, I received notice that my disputes were denied. 

I don't understand how they came to this dedtermination and why I was never contacted during the process to clarify or explain my case. I thought I dkid a good job at explaining the case, but based on the outcome, it seemds ok for CURRENT VISA cardholders to not have protection you would expect,. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: Prosper Marketplace, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I went in a settlement arrangement with prosper on my loan. I had a fixed payment due every month on the XXXX. I have paid it religiously every month. This month not only have I had a report on my credit report for a late payment which is untrue but I ha e also called and email asking why that is and asking this to be fix. I went to pay on bill today and my account still shows a late payment, a fee for late fee and the original amount of the payment before the payment arrangement. I signed paperwork in XXXX for this arrangement and I expect prosper to live up to their arrangement with me. I have read all kind of complaint against this company that NO ONE is doing anything about. I expect help with this problem and not have it sweep under the rug! Also I spoke with XXXX a supervisor in XX/XX/2021XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX Dear CFPB, I have been disputing with Trans Union for over 7 months now trying to remove some illegal and unauthorized inquiries from my credit report. All I get in response is something like this : The information you disputed has been received. The results are : Inquiries are a factual record of file access and will remain on the Trans Union Credit File two years from the reported date of the inquiry ( see section Trans Union reply to inquiry removal but what if those inquiries are illegal and unauthorized? Dont inquiries need to be verified just like accounts? I know that the inquiries werent verified because of the time frame from when they received my disputes and their reply back, it is like 3 days, too quick for verifying data, to me. 

That being said let me say I want the following inquiries deleted from my credit report for a few violations that Trans Union has committed. I want Trans Union to delete these inquiries for violation because they ( Trans Union ) are still continuing to report these inquiries without ever verifying them in the last 7 months and I want Trans Union to delete these inquiries for violation because these inquiries obviously do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. 

The following is a list of inquiries that need to be deleted from my credit file : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Again here are the violations being committed by Trans Union when they dont delete the inquiries above in the list : - They ( Trans Union XXXX are continuing to report these unverified, illegal and unauthorized inquiries without ever verifying them. 
- These inquiries do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. Delete for violation. 

- Failing to provide documentation and method ( s ) of verification when asked for within the 30 day time allotted window ( see letter dated XX/XX/XXXX and letters dated XX/XX/XXXX ). 

- Failure to do an investigation and an independent re-investigation ( see Letter dated XX/XX/XXXX ). 



Thank you, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After a security breach at my employer, all employees were provided free credit monitoring service. After reviewing my credit report, I noticed an account that was not mine listed as a bad collection, which adversely affected my credit score greatly. Portfolio Recovery was listed. I contacted Portfolio Recovery numerous times, via US certified and read receipt correspondence. I asked for debt validation, ( they merely sent a copy of the last bill ), I asked for signed copy of the contract I supposedly had, proof they had the legal authority to pursue this erroneous debt, they never provided either. I complained twice with the CFPB and Portfolio would not cooperate, prove the debt was mine, and remained undeterred. Lastly, I sent another certified/read receipt letter stating I was willing to pay 75 % of the balance in full with the promise this erroneous collection will be removed from my credit report. They replied and did not want to negotiate. I rather pay for this debt then to keep the negative mark on my credit as a bad collection which will cost me 100s of dollars in higher interest rates for years. I was told that even if the bill was paid in full, this will remain on my credit report. I do not understand why a business will be so cruel to a consumer who was the victim of fraud. After speaking with my council and reviewing my credit report, I learned Portfolio Recovery Associates is reporting they are a factoring company. This is against FCRA section 623. This is violating my rights. This is unfair business practices with me, the innocent consumer, falling victim. I want this collection removed from my credit report from all three credit bureaus, to never appear again under different auspices, or traded or sold. Portfolio Recovery Associates are not being honest, fair, and they need to held accountable for their actions. I also filed a complaint with the Virginia BBB. Thank you for using the Better Business Bureau 's Online Complaint System. Your complaint has been assigned case # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: Automated Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I NEVER SIGNED AN ACCOUNT WITH THIS CREDITOR THIS IS NOT THE ORIGINAL CREDITOR .I was never 30 days late. This is a duplicate account US Code 1692e FALSE AND MISLEADING REPRESENTATIONS US Code Notes/ debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation w

hich may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends t o take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Rewards

Complaint:
Over the summer American Express offered XXXX sky miles points for those who spend over 2000 during the first three months. Previously, over 3 years ago I closed an account with this card and was wondering if I applied would I be eligible for the rewards. So, before applying I went and spoke to an American Express agent at the airport ( XXXX ). They told me that because of the time between accounts ( plus AE had different offerings at that time ) I would qualify for the bonus points if I spend the required amount. From that conversation, I went home applied, got approved, and spent the required amount. Now American Express is not awarding me the points because I 'm not eligible for them .... I feel completely taken advantage of and feel like that agent told me this just so that American Express can have one more card holder .... I 've reached out to them and they 've opened and closed a case investigating this issue without giving me the points I 've earned. Right now, I completely understand the qualification of this card, however, I should not be the person punished for the mistake their employee made by telling me I would qualify

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In 2005 I filed bankruptcy and my student loans were discharged. I never dealt with Navinent and I am constantly received numerous harassing telephone calls about fake loan forgiveness and other XXXX. I am called several times a day. The student loans were paid by the Colorado Student Bond Authority. There were no exceptions in the bankruptcy discharge regarding student loans. I am sick and tired of the harassment. The U.S. Department of Education said that they were above the judge. I am not sure of who the lender is anymore. I do not know if this was a private loan or a Stafford Loan. It was paid off by the Colorado Student Bond Authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Village Capital & Investment LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I contacted Village Capital on XX/XX/2021. I requested that my escrow refund be mailed to me immediately since I had refinanced this home loan and it had also been funded. 

The representative said it would take at least 30 days to receive my escrow refund and that the escrow refund would go to the new lender. 

My new mortgage lender does not hold the NOTE on this loan and stated that the escrow refund would go to me. 

Escrow Refund Amount {$2100.00}

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