BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-06
Company: Neighborhood Assistance Corporation of America ("NACA")
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I enrolled in and enlisted mortgage modification assistance from my local NACA Program in XXXX, FL. It was confirmed that my mortgage situation met the criteria for assistance through the Program. I followed the process steps completely and I was presented with the modification option ; I was encouraged along the way by my assigned NACA Agency Counselor face to face, via telephone and email. As the process unfolded I received a XXXX package with the modification terms and details ; to my knowledge these specifics were negotiated by my NACA Counselor on my behalf. However, upon closer inspection this year, I 've discovered that this " modification deal '' contained many elements that has locked me into many years of hardship - specifically 'predatory lending ' at its best. For example, the new terms include ( 1 ) a XXXX and XXXX mortgage, ( 2 ) a final balloon payment and ( 3 ) loan maturity date extended out to year XX/XX/XXXX. Upon this discovery I contacted my former NACA Counselor and returned to my local NACA Agency office. To my surprise I was met with finger pointing suggesting that I had accepted a 'streamline ' offer and that NACA could not support my choice ; furthermore NACA had no paper trail of the offer I had accepted and they were certain that NACA had not negotiated a loan modification on my behalf XX/XX/XXXX. The NACA Counselor then asked that I provide copies of original loan modification agreement for her inspection. The documents were scanned at my local NACA Agency and I was contacted by my original NACA Agency Counselor ; she immediately pointed out that the deal was exorbitant, reeked of predatory lending and I should file a complaint with CFPB. Lastly, when I asked about a remedy the Counselor advised that there was no recourse through the NACA Program and that I ( 1 ) could just make the payments because the amount was nominal or ( 2 ) refinance the mortgage to mitigate the XXXX and XXXX mortgages and the large balloon payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted dispute to you and I didnt get a response within 30 days, you all are required by law to do so. Please investigate. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX   or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Credit Karma, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
There have been multiple times that credit karma has advertised that i was eligible for a new credit card, so while trying to build my credit i would apply only to be denied those cards. They have been very misleading when it comes to applying for new cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Knight Adjustment Bureau
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In or around XXXX 2016, I paid the credit card balance in full for the amount of {$640.00} for my membership in this correspondenc Accounting Course. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory account from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 been enrolled in Autopay and the minimum payment that was due this XXXX was not taken out on XX/XX/2020 like Capital One was supposed to and so I was wrongly charged a past due fee of {$28.00} on XX/XX/2020 to my Capital One Walmart Rewards credit card. They say it is because I had cancelled my payment. On XX/XX/2020 I had made changes to my account where I had first cancelled my minimum payment so that I could make a higher payment for XXXX. However, that same day I changed my mind and decided to cancel the higher payment so that only the minimum payment would be taken out for bill due XXXX. That was the last change I made. I never cancelled my Autopay. Furthermore, on my Capital One account it states that when enrolled on Autopay they will debit my AutoPay Bank Account on my due date even if I make other payments so it should have been taken out on time. I have spoke to several representatives including two account managers with Capital One and they are refusing to refund or waive the {$28.00} late fee that I was wrongly charged. The representative stated it is because it was modified so it would have not been taken out until the next billing cycle. However, XX/XX/XXXX was the last time I had made a change and it was to cancel the higher payment. That should be enough time for the autopay to take effect and the change I made should not have effected the minimum payment that should have been taken out XX/XX/2020. In addition, after first speaking to a representative on the phone who was unable to resolve the issue I decided to write online to a representative to explain this and the representative was not only unable to assist me they responded to me with exclamation marks " I am not able to remove the late fee! " ... " It can not be fixed! '' and as I was still typing another response to them this representative quickly ended my chat session before I was able to send it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Professional Credit Management, Inc
State: AR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I ask professional credit managment to validte the account and all they sent is medical bill with my insurance and patient id and nothing with my signature. Also believe they violated my hipaa law rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: MORTGAGE LENDERS OF AMERICA
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Mortgage contract between myself ( buyer ) and seller had a closing date of XXXX XXXX. I got the CD on XXXX XXXX. There is a 3 working day waiting period. We were waiting on approval from lender on mortgage. The loan was cleared for closing today XXXX XXXX by lender. Attorney is stating we have to wait for 3 working day waiting period due to correction to the CD by attorney to lender. Attorney stated we have to wait 3 working days and then 3 working days for closing to occur. This will put us outside the 10 working day grace period for the loan to close based on contract. As the buyer I do n't want to be held liable for the fees and cost incurred by not having the loan ready and seller backing out or extending the closing to new year. Can we close on the loan at anytime going forward? Do I have to wait for the attorney to set closing date? I get the impression that the attorney and realtor agents are stalling the closing to the cut off date. This will allow the seller to default and all cost and fees will be the responsibility of me ( buyer ). What are my rights as the buyer?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I pulled my credit report and realize I'm a victim of identity theft. My personal information on Experian is incorrect It stated my name as XXXX XXXX XXXX and incorrect address of XXXX XXXX XXXX XXXX, Fl XXXX and I have 2 unauthorized inquiry XXXX XXXX  XX/XX/2021 and XXXX XXXX XX/XX/2021

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 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To whom it may concern, I am in need of your assistance with getting account and items removed that do not belong to me. I have reached out to the credit agencies to no avail. 

The accounts below are not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$230.00} 2. XXXX XXXX XXXX - XXXX XXXX XXXX - Bal : {$640.00} 3. XXXX XXXX XXXX - XXXX XXXX XXXX - Bal : {$520.00} 4. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX - XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following is reporting inaccurate lates. I was never 30 or 60 days late 7. XXXX XXXX - in XXXX or XX/XX/2020 ( TU & XXXX ) 8. XXXX XXXX - in XXXX & XXXX XX/XX/XXXX ( XXXX ) Incorrect Name and Address information : Incorrect Name : XXXX XXXX on TU Incorrect Address : XXXX XXXX XXXX on TU Incorrect Address : XXXX XXXX XXXX XXXX XXXX on XXXX & XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX on 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 2019-12-08
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: Account status incorrect

Complaint:
Experian is violating the FAIR CREDIT REPORTING ACT they know the account does not have my name and they still are reporting it and its reported twice and it a secured care in which no debts are left with secured cards and thats why they are called secured credit card, you only spend the money you have loaded or previously add by bank, atm, or however the cash load works! I need this fixed i am looking for work and this has caused me to miss out on employment opportunities. Thank you Respectfully, 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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the payment history is inaccurate, and date last reported is not accurate, there are so many errors on my credit report & they also violated my rights under 15 U.S.C. 1681 602 A. State I have the right to privacy.

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have attached my credit report with all the inaccurate errors thats currently being report by all three ( 3 ) credit bureaus as proof.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-12-08
Company: Ditech Financial LLC
State: AP
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a home loan with Ditech which I never missed a payment on. I sold the house and have the loan paid in full, but I've had nothing but problems since. I've called Ditech customer service reps about 10 times for this now and Ive gotten nowhere. 
Ditech home loan number XXXX. 

My loan is paid in full. However, I have a {$560.00} escrow balance left with them, need it refunded and they refused to disburse me my money. Ive asked for this refund at least 10 times now. There is no reason they should be holding this money and refusing to send it to me. 

Additionally, my loan closed on XX/XX/XXXX. During that loan closing, my title company paid my county taxes in full. No taxes should have been sent out by Ditech because they were paid in full by me, but for some reason, they still dispersed my tax payment on XX/XX/XXXX. ten days after my loan was already done paid off. Since my taxes were paid in full during closing, then again paid by them, they have been double paid. The county will not issue the refund to me since they're the ones who made the payment. They need to get a refund from XXXX County for {$1200.00} then send me that refund, but once again they refused to do so. 

With the tax payment, and my remaining escrow balance, they are withholding {$1800.00} of my money, and not a single representative will do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Privacy

Complaint:
Apparently in 2010 Discover Card was successful in getting a judgement for a debt owed by a XXXX XXXX - presumably a Credit card. I am XXXX XXXX XXXX I own property in State of Washington XXXX a lien for this debt was placed on my property. I do not now or ever had a Discover loan of any type. I am appalled that a Company through its attorney can place a lien on my property without due process. XXXX County Judgment is XXXX. I suspect the judgement and legal proceedings were served to the rightful XXXX XXXX but this individual does not owe the property that is being was lien. Atty on the complaint are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX This is all the information that County records gave me. I found out about this issue as it is creating a problem for me in refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: EQUIFAX, INC.
State: MA
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: Problem with personal statement of dispute

Complaint:
I had recently reviewed my credit report and i found several discrepancies in the below accounts. I wrote to each bureau to please fully validate the reported information and remove anything that they couldn't provide signed, original contracts that correlated to the accounts in question. They didn't even look into it they just reposted the discussion from before that again wasn't looked into nor did I receive the information. 


XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$510.00} written off. {$510.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$620.00} written off. {$620.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$220.00} written off. 
Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing is committing fraud against me. 
XXXX XXXX Sheriff Case Number : XXXX See evidence attached. 
/// ///

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card
Issue: Balance transfer

Complaint:
I am a XXXX XXXX member and I received a very good offer from their credit card company, called Comenity Capital Bank ( XXXX ), on balance transfers. The offer was XXXX % XXXX till XX/XX/XXXX with XXXX % of transfer fee. I took the offer in the end of XX/XX/XXXX and on XX/XX/XXXX the balance transfer was completed and new balance appeared on my credit card account, as expected. Now, XXXX month later, I got a bill on the new balance, and the original credit card company, which is XXXX ( XXXX ), also billed me on the same balance. It turned out the balance transfer, physically, never happened, it happened only on paper, and XXXX told me that nobody paid off my balance. In such case, who gave the right to XXXX to charge me with the new balance and transfer fee, if their check was never cleared or received by XXXX? Actually I do not believe XXXX sent such check at all, and they never gave me any proof of such transaction per my request. I have all copies of the messages between myself and XXXX, which will give you more details about the issue and my failed attempts to resolve it. I 'd suggest you to request those copies from me, because they are helpful for better understanding of this problem. I can also enclose last statements from both XXXX and XXXX where you can see account transactions. XXXX did wrong charging me if the related funds were never moved from their account. Additionally they committed another fraudulent activity charging me with the interest though I paid off my previous balance with them. I can prove everything I have stated here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX, NJ XXXX XXXX XXXX, 2016 Caliber Home Loans XXXX, OK XXXX Account Number : XXXX RE : Request for Payoff Statement TO WHOM IT MAY CONCERN : We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to 12 CFR 1026.36 ( c ) ( 3 ). For the record, we continue to dispute the validity of the alleged debt. 

" PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. '' Thank you. 
Sincerely, XXXX Cc : Consumer Financial Protection Bureau ; NJ Superior Court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TD BANK US HOLDING COMPANY
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:
BASED ON 15U.S CODE 1681A, TD BANK USE INFORMATION ON XX/XX/2017 AND XX/XX/2017 WITHOUT MY WRITTEN CONSENT I HAVE ASK THEM NUMEROUS TIMES TO REMOVE LATE PAYMENTS FROM MY CREDIT REPORT BUT THEY CONTINUE TO BREAK CONSUMER LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: AMERICAN HONDA FINANCE CORP
State: MD
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:
I've reached out to Honda and XXXX XXXX regarding late payments noted on my credit report however the accounts with both financial providers have been closed from some time now. I contacted them both back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX account was closed on XX/XX/XXXX. However it is documented on my credit report that I was late on XX/XX/XXXX American Honda Finance was closed on XX/XX/XXXX. However it is documented on my credit report that was late on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation