BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I've been working an XXXX from Amerisave since XX/XX/XXXX. I received a Closing Disclosure on XX/XX/XXXX in the morning, the numbers look correct, {$170000.00} loan amount, closing cost {$7900.00}, monthly payment {$910.00} for the first 3 years and {$880.00} from 3 to 30 years. {$380.00} cash to borrower In the afternoon that same day, I received another Closing Disclosure that the have changed the numbers, loan amount {$170000.00}, closing cost was raised to {$8700.00}, monthly payment {$910.00} for the first 3 years and {$880.00} from 3 years. {$110.00} cash to borrower. 
I've contacted the Loan Officer and processor since Thursday, but they never return my phone call and/or emails. I contacted the customer service department and nobody wants to assist me. 
I'm getting very frustrated because closing was supposed to be XX/XX/XXXX, but never received instructions were closing would be or anything. 
Any assistance you can provide will be appreciated

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 2016-02-06
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX I received a letter from XXXX XXXX, c/o XXXX XXXX, stating that the letter shall serve as notification, that XXXX, XXXX has agreed to the proposal that the account has been settled in the amount of {$2500.00}. XXXX XXXX XXXX has been handling my debt with my creditors, per our contract agreement, as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I was served a District Court of MD Writ of Summons stating a court date of XXXX/XXXX/XXXX in regards to this creditor. I contacted XXXX and sent the information to XXXX XXXX of XXXX and she stated that it was taken care of in XX/XX/XXXX and the debt was settled. I have since been attempting to contact XXXX about this matter, tthe court date came and went, and now there is an open DC judgment filed against me. When I contact XXXX they tell me that they have made numerous attempts to clear this matter up with the creditor, but the office of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, does not return the calls from XXXX. Current date, XXXX/XXXX/XXXX and I have not heard anything from XXXX XXXX XXXX, or the XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any notifications to state the status of the judgment nor have I heard from anyone regarding any progress with this matter, This is now a Credit Report status and I would greatly appreciate this being removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Professional Med Adj Bur is trying to collect a medical bill from me that I do not owe. I have told them that I had medicaid that paid for my prenatal care. I have even given them the medicaid number, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2021-01-12
Company: Brightfunders, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed my payment in XX/XX/2020 to the address XXXX XXXX XXXX XXXX PA XXXX. So far my payment has not been applied. I messaged the firm in the online portal. At their request, I emailed the money order copy with the money order ID number to the email address XXXX. I have not heard from them so far. I messaged multiple times and called. Last week, I called. The agent XXXX ( or XXXX ) emphasized that there was nothing she could do to find the payment and implied I could make another payment to avoid the late fee. I am enraged.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Bank Of AmericaMy loan was transferred XXXX 2014 to XXXX incPrior to transfer I received a permanent modificationMy challenges areThe modification payments were not applied to loanThe accounting ledger Bank of America providedWrote off XXXX deferred amount due upon sale or payoff of loanWould you clarify details of sale to or servicing to XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: RSH & Associates, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are disputing a complaint against Ditech Financial Services regarding two payments that were made XX/XX/XXXX and XX/XX/2016 which they are reporting as 60 days late but they were made within 50 days of the due date. I have documentation to support when these payments were posted and all we are trying to do is to get them to update their records to reflect a 30 day late vs. 60 days so that we can close on a loan transaction. I sent this information to Ditech over two weeks ago requesting that they update their records and email me with a response so that I can provide it to our lender. We called yesterday and they had not even reviewed the request that was faxed. When we ask to speak to a Supervisor we are told that no one is available to speak with us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: U.S. BANCORP
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I pull my credit file and I saw this credit card company on my credit report that I did not apply for ELAN FINANCIAL SERVI Acct # XXXX. I reach out to this company about this credit card and ask them to provide me with proof and to verify this is my account. Also the company has not provide me with any proof and this is still on my credit report please help me with this matter..

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 2021-01-12
Company: Upgrade, 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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, i entered a consumer credit transaction with Upgrade Inc. The total amount of the transaction was for {$10000.00}. On XX/XX/XXXX, I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. On XX/XX/XXXX Upgrade received a letter from me asking to validate the debt and produce legal documentation that I am obligated to pay this debt. Their response was a letter stating that they confirmed the transaction history and that the information was current and accurate. Moving forward to XX/XX/XXXX, I sent them two documents. One being a debt validation letter and a cease and desist. These documents were sent via XXXX  on XX/XX/XXXX and was delivered to the company on XX/XX/XXXX at XXXX XXXX. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Finance System of Green Bay, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Finance System of Green Bay intercepted my State of Wisconsin XXXX income tax refund for a debt I do not owe. I made contact with XXXX on XX/XX/XXXX and asked for proof I owe the debt. It has been more than 30 days and I never received any information regarding proof of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
False information was placed on the credit file regarding a collection agency that goes by the name of XXXX XXXX XXXX. The information was false and removed. TRANSUNION sent verification of removal marked XX/XX/2020. 

Now TRANSUNION is showing the same item with a different partial account number with XXXX XXXX XXXX is back on the credit file as of XX/XX/2020. 
This is clear and willful intent to damage the consumer. How is the same item and same amount showing on the credit file as of XX/XX/2020 and being reported again on XX/XX/2020 just by changing a partial account number? 

These dates are clearly not adding up and show clear deception by only changing a partial account number. TRANSUNION sent nothing to me stating this false account was being added back on ; especially, added back on with another made-up partial account number. XXXX XXXX XXXX also needs to be investigated.

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 2021-01-12
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: Account information incorrect

Complaint:
XXXX XXXX Balance : {$6700.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX Balance : {$550.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$1200.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX Balance : {$6100.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$98.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The CFPB closed my case # XXXX, but Equifax has not responded. 
Equifax only stated it has started an investigation and the CFPB closed the complaint. 
Equifax has not investigated nor has it responded to any specifics. 
Why has the CFPB concluded that the case is closed? 
Equifax is required to respond to my complaint with a re-investigation and report its findings to me, which it has not done. so, why has the CFPB closed the case with nothing from Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: ENCORE CAPITAL GROUP INC.
State: VA
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:
Midland sent threatening letters to me regarding taking me to court and called multiple times a day repeatedly I had to block their numbers I asked for all proof required by the FDCPA they failed to supply that information and continue to call me from multiple numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: UT
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:
A dispute was submitted to XXXX XXXX who was listed as the source for two dismissed bankruptcies on my Equifax Credit Report as inaccurate information and XXXX XXXX returned re-investigation results as removing the two bankruptcies from their report on XX/XX/XXXX. 

A dispute was filed with Equifax and proof of the deletion was included and highlighted, and Equifax is providing a generic response of accurate information. 

The dispute is for the removal of the bankruptcies. This has been an on going issue but I either do not get a response or I get another results letter stating it is accurate. 

Another re-investigation was filed with Equifax XX/XX/XXXX with proof and they just provided a electronic generated response and now they are saying the bankruptcies are listed as discharged and not dismissed, but still naming XXXX XXXX as the source of bankruptcies that are not on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Nelnet, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Acct : DEPTTEDNELNET | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX  XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX  XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX/XXXX  | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$1100.00}, XXXX - CARD SERVICE XXXX Date opened XX/XX/XXXX Balance {$38.00}, and XXXX XXXX BANK, XXXX XXXX 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 2022-10-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB complaint in regard to the erroneous accounts being reported by the Credit Bureau on my Credit Report. I have read that the Credit Reporting Agencies are required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Recently, I'm requested the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late on. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureaus to correct the following accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Wilber and Associates, P.C.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Wilber & Associates, P.C. attempting to collect a debt of XXXX for an auto accident that I was not involved in and a car that was not registered or insured by me.

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