BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-01
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I began the process of applying for a loan modification in XX/XX/XXXX due to having a temporary hardship. I submitted all documents but Mr. Cooper/Nationstar Mortgage continued to ask for one last document over and over. I received a letter showing that I was finally approved for a trial loan modification on XX/XX/XXXX. I sent an email on XX/XX/XXXX accepting the trial loan modification. I made the first two trial payments online and on time. When I logged into my online account on XX/XX/XXXX to make my third and final trial loan payment of {$1000.00} for Loan # XXXX, I was unable to submit a payment online and found a letter dated XX/XX/XXXX stating the following : Denial Reason : Failure to Return Trial Agreement You were previously oered a Trial Period Plan. The terms of the plan required that you return the executed trial plan agreement within the time allowed. Unfortunately, we must withdraw the Trial Period Plan oered because you did not return the agreement timely. 

The Denial Reason listed is untrue. I'm at a loss because I have been trying to get some help since XX/XX/XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my loan was sold by XXXX to Bayview Loan Servicing ( BLS ), with no notice to me. Within 10 days, I received a default notice from BLS. I called BLS and I was told I owed money to XXXX. I asked how much I owed XXXX and I was told I had to contact XXXX as BLS does not collect for XXXX, having no access to the XXXX system. I went into a local XXXX branch and the manager looked up my account and stated I was in good standing with XXXX. I then called BLS again and they stated there was nothing they can do because they show I owe money to XXXX I have since been to a total of three XXXX branches and the advised I am in good standing with them and I owe nothing towards my mortgage. I asked BLS how they can find me in default when the money was owed to XXXX, they said it must have been a mistake because my XXXX payment went to XXXX instead of BLS. After several phone calls to BLS, I could not get anywhere. They continued to insist that I owed money to XXXX. It was a Catch Twenty-two. The only way I can solve the problem was to pay money to XXXX, but XXXX would not take any payment stating I did not owe anything. 

So, I just kept making my payments as the attached Spreadsheet will show ( Exhibit 1 ). This exhibit details all payments from XX/XX/XXXX, the date BLS took over servicing the loan, and XX/XX/XXXX. As of that date, I overpaid BLS {$4500.00}. Additionally, these records show I made all payments due to BLS and I have completed these payments to the current date. During this time BLS changed their position and instead of claiming I owed money to XXXX, they stated I owed money to them, for XXXX, yet they took over servicing the loan in XX/XX/XXXX. BLS started charging me monthly fees, in amounts which violated my original mortgage documents, for being late, when it was obvious, I wasnt. They even told me previously that I did not owe money to BLS. BLS also was holding payments I made in Suspense meaning they were not crediting the monthly on-time payments I was making so they could charge me late fees. 

BLS has also reported my account as being late every month, year after year, to the credit bureaus, trashing my excellent credit rating, and preventing me from buying any properties now and in the future. This action is illegal and immoral. I have made every payment due to BLS since they took over the loan. I attempted to resolve any problem in XX/XX/XXXX but BLS stated I didnt owe them money, but I owe XXXX. XXXX has told me that BLS is not authorized to be a debt collector on their behalf. Why then is BLS trying to force unauthorized payments from me and ruining my credit rating? This is definitely not fair credit reporting when every payment owed to BLS has been paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I submitted a complaint on XXXX XXXX XXXX ( complaint # XXXX ) stating this collection agency is not license to collect in the state of Texas. The company agreed to remove account off of all reports and they did do so. XXXX XXXX, XXXX the account was placed back onto my credit report. This company have not furnish any paperwork showing a agreement I have with them, in addition I researched and I show they are still not licensed to collect in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
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 2022-08-17
Company: CBM Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice for CBM for an amount claiming I owe. I sent a letter requesting verification of debt. What I received has not bearing of a signature or agreement or proof of debt belonging to me other than my name and an old address. 

The dates listed do not correspond to the dates I lived at address since I had moved as of XX/XX/2021. I am asking that they verify the account properly. 

I travel internationally and fear this might get reported to a credit bureau when I am not around to respond in a timely fashion. I request that no reporting be done until this debt is verified, as stated in my prior email. 

Additionally, this is not worth the time to continue to litigate and I'll send them a check for XXXX for the dates I lived there, in case my ex wife had this service. 
If we can't come to an agreement, I'll forward to my retained counsel to take from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: BARCLAYS BANK DELAWARE
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went to see a financi al counselor   i  n  XX/XX/XXXX  who reviewe d my credit report with me. I became aware of a fraudulent collection ( that I have since gone to court to r emove ) a n d two fraudulen t credit cards,  one from Barclay 's Bank  an d one from   XXXX   XXXX   XXXX   . According to my credit repo rt Barclay 's was   opened in   XX/XX/XXXX  and closed in  XX/XX/XXXX   with no reported payment history.  XXXX   XXXX  was open ed  XX/XX/XXXX  and closed in  XX/XX/XXXX  and it looks like no payments were made according to my credit report. I have never had   either of these cards and only became aware of them from looking at my credit reports. I have repeatedly called both banks to report the cards as fraud and they will not remove them. I also sent a dispute letter to the credit bureaus to remove these accounts and they left them on. I have filed a identity theft report with the fair trade commission that I will attach to this complaint. I have also visited my local police precint to report ID theft but the detective was not helpful. All the other accounts on my credit report have always been paid on time. I need th ese two cards remov ed since they are not mine and I would like to purchase a home soon and need my credit repaired.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Over the last 2 weeks I have sent several Unsubscribe Requests to Capital One. There are Credit Card advertisements every day that I receive to get a credit card! I don't want a Credit Card, especially from Capital One. Years ago they were very mean to me when I had a hard time financially. I paid off my account to them. They wanted to take everything from me, even my dignity!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: 21ST MORTGAGE CORP.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX  changed my pay for a short time from monthly to biweekly which reduced my income monthly. I thought I was being helpful by contacting my mortgage company to let them know that I was trying to find a second job but my payment would be late. They offered me a 3 month plan so I could have time to fix the issue. I did fix the issue since a lawsuit b y 21 states stopped  the  XXXX  problem for now but they did not tell me that this would affect my credit. Not once did someone tell me this or I would have found a second job immediately or some other way to pay it. I called them a month in advance to let them know this was going to happen. I was trying to prevent my credit from being affected. I can not even buy another house now because people see that but they do n't see what really happened. That I lost funds due to the government changing the way I was paid. The fact that I had made all my previous payments early every time until then did not matter. I feel that since I was not made aware that " their plan would negatively affect my credit, it is unfair that I have to suffer for it. I have called and they refuse to remove it. I have disputed it and I was told that there was nothing they could or would do.      21st Mo rtgage,   XX/XX/XXXX ,    XX/XX/XXXX  and  XX/XX/XXXX  is whe n I agreed to the plan. My monthly payment is  XXXX  and out of th e two years th is was the only time I was late. Single mom who was left with all the bills by a   XXXX   XXXX   XXXX     man in   XX/XX/XXXX  and who w as barely making ends meet but I always pay my bills and this is unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2019 I applied for a loan modification and was denied. I appealed in XX/XX/2019 and was denied again. XX/XX/2019 I have spoken with a financial advisor thru the Hope hotline and was advised to seek a forebearance which was never offered to me as a option. I called my mortgage servicer Sps and was told that a forebearance is the same thing as deferral and repayment which they denied me. 
I have researched and they aren't not the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: DE
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information and inquiries. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have applied for Georgia unemployment benefits on XX/XX/2020 and requested a state issued debit card on XX/XX/2020 but haven't received my card yet. This is hindering me from obtaining my money which I desperately need. I have reached out numerous times to the state and the card issuer with no response from either party. Can someone please assist with this simple request of a debit card so I can access my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Exeter Finance Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XX/XX/XXXX I went to XXXX XXXX after I was given a pre approval for the vehicle that I purchased. With the prapproval I was to put down XXXX dollars and I would have a XXXX dollar monthly payment. After getting there I was passed around to different employees and then after my credit was run for the 37 time I was to put down XXXX and they told the extra care for the car was part of that. Without showing me the total numbers by distracting me with the fact that they did not understand my retirement pay/ XXXX XXXX XXXX pay. I was moving across the country and needed a truck. So I paid the amount for a down payment and was told off to the side to file my military paperwork with Exceter Auto Financial. But they will not help me get a new interest rate. Currently its 27 % and Im afraid that Im going to lose my trAnsportation. I filed again with Exceter fianc on XX/XX/XXXX again. I was told that my military paperwork didnt matter and threatens me. I told them I just went through a XXXX retirement and thats was a couple of months before and I was still in transition. I felt that I was intentional told one thing and made to feel like the down payment would resolve the high payment after I paid for the XXXX XXXX. Which now I figured out that I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-01-24
Company: LEXISNEXIS
State: NY
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:
Lexis Nexis has violated my consumer rights. I contacted Lexis Nexis on XX/XX/XXXX and XX/XX/XXXX informing them of the violations of my consumer rights. Lexis Nexis infringed on my right as a consumer to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Lexis Nexis did not have a permissible purpose nor did they have my written instruction as a consumer to furnish any information about me to any consumer reporting agency. On XX/XX/XXXX I received a letter from the United States Bankruptcy Court for the XXXX XXXX of New York stating they do not provide information to credit report agencies. Lexis Nexis is in violation of 15 USC 1681a ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have an American Express issued XXXX prepaid XXXX for three years. In XX/XX/2018, this credit card was cancelled and I suppose to receive a check of more than {$150.00} for my existing balance, which I did not. I have contact them more the 10 times using the customer service number at the back of the card ( XXXX ). 
At the early contacts, I was nicely told that the check is on the way, and just be patient to wait one or two weeks. after 3 or 4 contacts, my phone call was transferred to a so called " technique support '' department ( I am not sure whether it is real or not ). I have contacted two people in that department, one call himself XXXX and the other is XXXX who is also claim himself the manager of the " technique support '' when I wanted to speak to his manager. And again another one month wait for nothing. 
To my understanding, American Express is a big company with reputations, and that's the reason I keep contact them for several months before file the complain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX {$90000.00} XXXX  XXXX {$1000.00} XXXX XXXX   XXXX {$850.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Aspen National Financial, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, my name is XXXX XXXX and no one has forced me to write this complaint this is of my own free will. I am writing that XXXX XXXX has violated me stated that if I paid this alleged debt they would remove the negative item off of my credit report. As I check my credit it is still reporting. This is my last time reaching out about this matter. If within the next 15 days this item is not removed I will report this information to the attorney general, XXXX, and the XXXX This company has lied and committed fraud and falsifying information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-05
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
If you are thinking about financing a vehicle. Run when you hear this name. SANTANDER! They are PREDATORY LENDERS! Look what they have done to my credit. They falsified XXXX out of XXXX over 30 day lates on my report to insure I could not get any other financing from any other lenders once I paid them off and hurt my chances of buying a home in the future. They want to insure they will be the only lender to once again lend me money so they can rip me off once again for the next 60 months! I am uploading XXXX of my XXXX XXXX credit reports on Santander Consumer USA. The first is my credit report 16 months ago. Notice only XXXX lates over 30 days. Now look at my credit report ( second photo ) showing all the 30 days lates now that never truly occured. I even have bank Statements showing they ACH debited my account on these XXXX falsified times way before any over 30 day lates could occur. These sharks know what their doing and I 'm sure i 'm not the only one they are doing this too!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: MI
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:
Experian refuses to investigate certify letter that was asking for documentation associated with the account bearing my signature, certify mail was sent onXX/XX/2020

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 2020-01-01
Company: EQUIFAX, INC.
State: SC
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 sent a dispute For XXXX XXXX XXXX  ( XXXX XXXX. I explained to equifax that XXXX  XXXX  XXXX  did not give me a 20 day notice the right to cure debt. Its a south carolina state law that a bank must notify the consumer in writing the right to cure. XXXX XXXX never showed any proof they sent me the notice within 20 days of the repo. My rights was violated by XXXX  XXXX. I was never given the right to redeem my belongings which the law requires. I purchased a Engine warranty for the car, the engine fail in the car and they wouldn't replace it.

Company response to consumer: Closed with explanation