BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
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: Public record information inaccurate

Complaint:
Section 1681i states : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. It goes on to state in part 2 of the same section ... ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

XXXX DID NOT CONTACT THE SOURCE to investigate this item, XXXX DID NOT notify the source of a dispute regarding the item, and XXXX did NOT mark the item as in dispute on my credit report. 

I have sent several letters with the last ones being notarized and sent them certified ; however, they fail to prove current, true, correct, complete, or metro 2 compliant. I do have tracking numbers if needed.

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 2015-09-28
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage was transferred to GreenTree servicing XX/XX/XXXX. We have had nothing but problems. 
1. Applied for loan modification under XXXX. They told us our mortgage/payments HAD TO BE CURRENT, and eventually only qualified us for a XXXX yr term. 
2. Called my employer ( School that I teach at ) and harassed me and disclosed our financial state with the school secretary numerous times. I was called/harassed at home numerous times even though we told them we filed Chapter XXXX. 
4. When I called to make payments, was told I had to use Speedpay and there was a {$12.00} fee. 
5. Often time, even now, I make my payments online and it takes them 2+ weeks to post them to our account. Often times, we are changed a late fee as a result. 
6. MOST IMPORTANT : We have NO CLUE what our balance is and what is going to principal or interest. We do n't get statements- they tell us we will not get statements since we filed Chapter XXXX although we did n't file it on our home/mortgage. 
7. WE ARE BEING CHARGED $ XXXX AS BANKRUPTCY FEE FROM GREENTREE. When I call and inquire ( numerous times ) they claim " We will look into and get back to you. '' THEY NEVER HAVE IN 2 YEARS. 
8. We had an overage in our impound account- Like {$4000.00}. When we asked to have that refunded to us, we were told numerous times " A check is on it 's way to you. '' We never got a refund. We were then told the overage was added back to our principal ( even though they will not give us a statement/ account summary of our balance so we could verify this. '' 3 months later, they sent us a bill because our impound account was short $ {$.00} 
9. We do n't know who our mortgage servicer is now- We have n't received a letter or statement in 3 months. We " heard '' on the news Greentree does n't exist and do n't know who to pay or call. 

We feel soo robbed, and ripped off. We are still being charged $ XXXX monthly for " bankruptcy fee. '' PLEASE HELP 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 2021-03-13
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Sold an item on Paypal in person, Buyer paid in full using Paypal account and release funding immediately because of in-person sale, Paypal is holding funding and refusing to release funds for 21 days I've contacted them over the phone over 5 days ago that stated they would release funds but still on hold. I've called them today which their system says they are open on weekends till XXXX XXXX, but the call is disconnected saying call back Monday-Friday when they message saying hours of operation also on Saturday and Sunday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America sent a letter advising that an account was opened for me this was odd since I never opened an account nor have any accounts with Bank of America. Unable to reach Bank of America to both closed the account and to question how this account was opened without my authorization need letter verifying that the account was closed and issue an id theft report

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 2015-12-14
Company: Nations Recovery Center
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife and I have received phone calls from nations recovery center in. XXXX georgia # XXXX. A XXXX XXXX asks for someone with a somewhat similar name to my wife 's and also our address and the last XXXX of her social. Even though she has assured him she is not the person he is looking for the calls persist. I asked to speak to a supervised but have not wpreceived a return call to date.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/XXXX I refinanced my home for a lower interest rate. At the same time my property tax was due on the home. Two property tax payments were sent to XXXX XXXX XXXX XXXX 's Office. One by the new Escrow Co ; XXXX XXXX  of XXXX XXXX, CA and the other payment was sent by XXXX XXXX XXXX XXXX. my previous lender who was paid in full on the old mortgage. The duplicate property tax payment of {$1100.00} was finally sent back to the old lender ( XXXX XXXX XXXX Co. ) in the 2nd week of XX/XX/XXXX. I had confirmed this with the XXXX County Property Tax Office by XXXX XXXX. I have since on several occasions called by phone and was told by Home Point to send them an E-mail which I did 30 days ago with no return reply or when I wwas to receive that payment which came out of my Escrow funds from Home Point. They still owe me that payment for duplicate property tax payment that came out of my XXXX XXXX XXXX  escrow account. Please contact XXXX XXXX XXXX and inquire why they have not sent me my entitled escrow funds that are due me. It's been five months now since that duplicate property tax payment has not been sent to me. Your help in this matter will be extremely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CITIBANK, N.A.
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:
in XXXX / 2021 I was notified I had a past due balance. I called the company and explained it was not my charge. they agreed to look into and remove. they notified me it was fraud and they would correct and remove any negative credit. they did correct the balance but still have a past due amount showing in XX/XX/XXXX and XXXX XXXX they have NOT been removed as a paid late account

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 2018-05-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX keeps calling ALL of my phone numbers, then continues to call after I tell them XXXX XXXX is not at this number, and then LIES and says they aren't calling. I have them on voicemail. XXXX XXXX leaving VERY THREATENING messages, but she won't answer the phone when you call back. NASTY FILTHY COMPANY full of LIARS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was working with nationstar mortgage back in XXXX for a modification after becoming XXXX from a work injury. At no time did Mr. Cooper aka Nationstar or their attorneys XXXX XXXX XXXX stop the foreclosure of my home of 20 years. I was served papers about the sale in XX/XX/XXXX eight days prior to the sale and that was the third time they tried to sell it. They were working with me on modification and had been since XXXX but kept asking for more paperwork. In XXXX of XXXX they served a pile of court papers left in a stack on my front porch and then locked me out of my home and sold it. This is after nationstar and XXXX bounced me back and forth with promises to help until the time ran out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently disputed a medical account with this company to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX  and still to this day I have not received a single letter for them. This is very unprofessional from a company to not respond to a request, and this is over 3 months old, and I've been patient enough and now I want answers I want them to validate this debt I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me, but any details may only be revealed with the patient authorization, but I do not remember signing for them to release my medical information to any collection agencies including this one. 

I want them to provide a copy of my signature with the provider of service to release my information to this company. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel disappointed having to wait over 3 months and never to be responded to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: M&T BANK CORPORATION
State: DE
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:
M & T Bank reported 30+ days late for my XX/XX/2021 RV Payment. I mailed the payment in XXXX and they did not credit the payment until XXXX. I have a copy of the check. The post mark on the envelope should evidence when I mailed it. I filed a dispute with XXXX. Rather than correct the problem, M & T bank also marked XX/XX/2021 as 30+ late. In reality I am paid through XXXX at this point due to receiving a paying multiple late notices from M & T bank that were inaccurate. I filled a new dispute and the XX/XX/2021 late payment has been removed but M & T bank is refusing to remove the late XXXX payment which is also inaccurate as I mailed it in XXXX. Please help!

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 2022-03-28
Company: EQUIFAX, INC.
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:
XX/XX/XXXX {$10000.00} XXXX XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX / XXXX  XX/XX/XXXX {$17000.00} XXXX XXXX XXXX In accordance with FaIr Credit Reporting act these accounts has violated my rights. 
15 U.S. Code 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was not notified of my ability to claim settlement For my checking account Mortgage Or credit card

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 2018-05-30
Company: Mobiloans, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Mobiloans , LLC is a tribal lending company that gives loans online. They are not licensed in the state of South Carolina where I live. The loan is not legal. Someone called me about taking me to court to pay back the loan. The loan is not even a legal loan therefore I do not have to pay it back and can not and should be sued for it.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-13
Company: Flagship Financial Group
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
As a long standing member I have had pleasure being part of your organization, Ive admired your care and customer service throughout the years. With that in mind it was quite disturbing receiving the egregious customer service from your representative XXXX as it relates to my account and payments. As an essential workers my days are filled working and leaves little to no time for my personal affairs. Nevertheless, I believe the customer service I received is not in brand for your company and was quite frankly disrespectful. I hope there can be an amicable resolution and look forward to your response. I would like a verbal/written apology and XXXX reprimanded for me and all the other consumer he has violated in the past.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-28
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a letter/statement from Truist Bank , alleging it was servicing an account of which I have no knowledge of, attempting to collect an " Overdrawn Balance '' of {$110.00}. The account number referenced in the letter from Truist Bank is # XXXX. Truist Bank apparently operates out of XXXXXXXX XXXX XXXX. I am a resident of the state of XXXX and have never lived in, banked in, or contracted with any company for credit or services within the state of XXXX XXXX. An attempt was made to steal my identity, along with my wife 's identity, in XXXX, involving BB & T Banking. In that matter, the XXXX XXXX, XXXX Sheriff 's Department made an incident report, and that bank closed XXXX ( XXXX ) accounts that were fraudulently opened under our names thru Internet Banking services BB & T provides.

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 2020-03-23
Company: Experian Information Solutions Inc.
State: DE
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:
Asked credit reporting agency to explain how they validated the collection Account. Credit bureau did not provide me with an answer and stated it was verified

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 2015-07-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
all credit agencies reporting incorrect data, never had any " Public Records/ TAX LIENS '' not mines, same infor on file 2 times ; violates FCRA with re-appearance of infor on file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
I noticed a few inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Open Dealer Exchange, LLC
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 information incorrect

Complaint:
Unauthorized hard inquiry XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Dream Center Education Holdings
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended South University XXXX Campus in XXXX where I was approved for XXXX XXXX and sub and unsub loans for South University ; as well as out of pocket expense for tuition. I was set up for a payment plan for my out of pocket expense that would be debited out of my checking account which i had to pay monthly. I tried to get the payments as low as possible being that I am a single mother with a child and i did not have a good paying job to make such big payments, the lowest that they could make my payments were XXXX which was still a bit much for me being that i was only making XXXX/hr working less than XXXX hours a week. In the year of XXXX my child was diagnosed with a XXXX and was deemed XXXX and that was a life changing event in my life that was very challenging to make sure i could find all the resources to help my child with his XXXX. i tried my bbest to make sure i was able to attend school but it was hard with all that was going on with my child which cause me to miss out on my education and had to withdraw from my classes. In the XX/XX/XXXX my father had a XXXX and i had to fly to XXXX to take care of him being I am the only child that my father has. I noticed the school of this matter being that it was the week of exams and that i needed to drop out of my classes. After my father was getting back to good health I tried to registered back to South University with all these life changing events, The Dean of South University stated that I would need to submit documentation in regards to this matter because South University was going to dismiss me from the school. I put in an appeal and provided all the required documentation that was asked from me and The Dean of South University denied my reentry back into the school and stated that I could put in another appeal in a year to see if the school to accept me back in. I was left with a balance of XXXX and the school was paid with my loans and XXXX the whole time i attended the school. I am unable to attend any school without being able to provide my official transcripts and it has been hard for my to further my education. I 'm unable to further my success with being in school or to get a better job without a degree. I feel that the whole situation is unfair because i provided what i needed to get back in school and I had valid documentation but still was denied my success to further my education plus left with a balance that i should not have to pay being that I was dismissed from the school and the school was paid by The Department of Education. Can you please assist me with this concern to help me further my education to get back in school?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief