BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I need assistance with keeping my home AND my Servicer may attempt to sell it without due process. I would like your help in resolving an issue with my mortgage servicer. XXXX XXXX XXXX XXXX XXXX XXXX sold my home Loan to Carrington Mortgage Services ( CMS ) in XX/XX/XXXX At the time, I was in the midst of a Loan modification application, I had sent in requested documents but XXXX had not made a determination one way or another.
CMS sent me a notice denying my application and giving me an option to appeal by XX/XX/XXXX. However, in the same packet there was another notice informing me that I was approved for Home liquidation options and if I had applied because I wanted to keep my home I have untilXX/XX/XXXXto signify that I am interested in Home Liquidation ( otherwise CMS will put the home in foreclosure and I will no longer have any options open to me like Short sale or Deed in Lieu ). CMS is attempting to railroad me into getting into a liquidation because the date for liquidation options is earlier than for Modification appeal.
The reason CMS gave for denying my application for modification is that I did not meet seasoning requirements - the loan has to be at least 12 months old and there have to be at least 4 payments made on the loan. I appealed the decision immediately because my loan was made in XX/XX/XXXXand I have about 60 payments made on the loan. Clearly, I meet the seasoning requirements. Carrington had a gentleman, XXXX from the Escalation team call me and explain that the reason on the letter was not the real reason I was denied and I just did not meet the criteria and the only option I have is to sell the house or hand it to them in a " Deed in Lieu ''.
I would also like to add that CMS sent my first mortgage statement to me and increased my mortgage payment by $ XXXX monthly, right out of the gate.
It is instructive that the Ohio state Attorney General and Department of Commerce jointly sued CMS alleging it did not provide modifications in the state as required under a XX/XX/XXXXagreement. According to their settlement, CMS will assign a single point of contact at the firm to work with borrowers who apply for a modification. The servicer will also implement a specific timeline for all requests, and it will suspend the foreclosure process while a loan is being evaluated for a workout. Internal reviews will also be set up for denied modifications. CMS also agreed to provide relief to 60 Ohio homeowners that involve loans to which Carrington acquired the servicing rights to in XX/XX/XXXX. CMS has not done any of these things with my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Tower Loan of XXXX XXXX, Ms Calls my Job 6 times Everyday and Call my Phone 20 times a day and Calling other people that I put as a Reference after I told them I will get my loan Payments caught up. And also calling from one other number!! 
When amswer just be so Rude and Talking to me like I am a child!! 
I will not get with this loan company again!!

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 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under ah + open end consumer credit plan as late for anv purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
after a floding situation and wind damage in the area I end up set back in my payments, and I want to resumen my payments and the Bank refuse to take it probably to inflate amount. please monitor it. and help. the full amount is {$1400.00} total.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
1. ) I tried to open up a checking account. 
Relevant : I would like an account where I do not have to keep a minimum of {$1500.00} in the account just to avoid fees. 
2. ) My application was rejected. 
3. ) The reason was unstated, but it is presumably because I use a USPO Box for my address, and I live in my vehicle. Mail is undeliverable within a Vehicle. 
4. ) I've had the exact same mailing address for many years, the same phone number for over two decades. Even when I resided in a nearby apartment building I used a PO Box because in CA rents can double overnight ; housing is very scare. People move a lot. 
5. ) This address is accepted by Social Security, XXXX, my long-term credit cards, my car insurance, Registrar of Voters, three credit reporting agencies - with 40+ years of records available - XXXX  , my paid cell phone company, all contracts ect. 
6. ) I have a very good credit rating - XXXX with XXXX. - and have never been late on a bill. I pay off all of my balances each month. 
7. ) Therefore I should not be denied the opportunity to open a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CBC Companies, Inc.
State: NJ
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:
Asked for Deletion because of inaccurate reporting. They are continuing to report inaccurate information since XX/XX/2019 to present. XXXX XXXX wrong Acct no. they continue to violate the law by reporting inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: AES/PHEAA
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: Account status incorrect

Complaint:
The Department of Ed have reported that I have been late on five student loans from them. ( FED LOAN SERV-Closed 12 late payments ) First ( XX/XX/2020 ) I disputed with the credit bureau , it was never updated. then I contacted ( XX/XX/2020 ) Fed Loan Service in PA : the gentleman that I spoke with ; said no late payments are showing on any of the five loans. and that he will have to see what the credit bureau is reporting. No answer. 

In XX/XX/2020, disputed the issue again XXXX XXXX it was updated, and the closing was dispute resolved - consumer disagrees. 

The supporting documents were sent on the issue, and no one seems to be able to read or care that the wrong information is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-21
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:
On XXXX XXXX2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XX/XX/XXXX you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted ARS numerous times asking for signed proof this charge belongs to me. They have never sent me anything showing proof. This charge is not mine and I would like it removed at once from my credit report. They can not provide me with any original paper work, signatures or ID copies.

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 2019-12-13
Company: EQUIFAX, 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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on XXXX  account numbers XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
NCB Management Services located at the XXXX XXXX XXXX, XXXX XXXX. Contact number XXXX. This company purchasing accounts from creditors that has be filed under bankruptcy and or dismissed and reporting accounts to the credit agencies as valid and collectible dept. I contacted the credit agencies and was informed to contact CFPB to have issues resolved due to the fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: JPMORGAN CHASE & CO.
State: TX
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under ah + open end consumer credit plan as late for anv purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Commercial Trade, Inc.
State: CA
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have never been able to get a copy of my free credit report. I have to either purchase some form of fake credit protection, WHICH IS A MAJOR LAUGH, or I have to tell Trans Union what is exactly on my credit report. XXXX is always down and not function. All I want to do is get my free credit reports which I am entitled to by law and I want the right to print out my credit report. 

IT IS DUE TO THE ACTIONS OF THE CEOS OF THE CREDIT REPORTING AGENCIES THAT ALLOWED THE BREACHES TO HAPPEN. WE THE VICTIMS SHOULD NOT HAVE TO CONSTANTLY PAY FOR WHEN THE CEOS PLAY. 

I absolutely refuse to provide a copy of my drivers license or social security card or some other form of identification to prove who I am. These credit reporting companies should be investigated under the RICO statute due to the roadblocks they put up to keep the consumers from cleaning up the credit reporting agencies mess they created. 

I am a victim of identity theft already, so what more damage can be done to my credit report if I do not provide proof of my identity. I should not have to tell Trans Union what the XXXX is on my credit report since I don't know what is on it. I will say this and stay by what I am about to say. ISIS HAS MORE CREDIBILITY THAN THE THREE BIG CREDIT REPORTING AGENCIES. 

Click on this link and see what me and millions of people have to go through with the Credit Reporting Agency scams. 

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 2017-04-24
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I worked with Navient to reduce my student loan payments on an income based plan. I got a letter stating that my payments would be {$0.00} per month ... but I am still being charged a {$180.00} per month fee, stated as a " Life of loan '' fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : AN # XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
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: Account status incorrect

Complaint:
credit agencies refuse to remove an account that over 7 years old,  also the court documentation has been submitted that the case was dismissed

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 2017-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I call ed Capital One 360 as the y instructed. They have locked me out of my funds. So when I called, they refused to help me! My son h ad a Capital One 360 acco unt in the past. I live with my son and so we have the same address, phone number, etc. We also sound alike. Because of this, they say that they do n't believe who I say I am even though I answered their security questions. They claim they listened to old conversations of my son and I sound like him. Well, there are old conversations of me on file and I bet that I sound like me but they never mentioned that. They just hung up on me. I just want my $ 400+ dollars out of that account so I can be done with these  XXXX ! There 's nothing I can do about the way my voice sounds!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is in reference to  Bank of America loan  account number  XXXX . My complaint is against Bank  of America in  the mishandling of my loan over the past 3 years. On  XX/XX/XXXX  I was approached by Bank  of America  to have my loan refinanced under the HAMP program. During the refiance process Ban k of  America required I have flood insurance on this property in which I had not paid during the previous 9 years. Ban k of America the n sent me an immediate requirement to pay flood insurance or have lender placed insurance secured. I could not afford the {$3500.00} per year flood insurance outside from lender placed insurance and therefore was forced to pay {$3200.00} per year lender placed insurance. I. turn, Ban k of America refu sed to refinance for a more affordable payment. My payments increased {$300.00} per month which placed a financial hardship on me and my family.   On  XX/XX/XXXX , Bank  of America d id not pay the full real estate taxes on this property which placed the property into a real estate tax sale auction. On  XX/XX/XXXX , Ba nk of America fou nd their mistake and paid the arrears real estate taxes of {$5000.00}. On  XX/XX/XXXX , Bank  of America ha s notified me of my payment to increase {$400.00} per month, which will further place undue financial hardship in my ability to pay this mortgage payment.

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