BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: RoundPoint Mortgage Servicing LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was offered a loan modification in XXXX XXXX and signed it and it was recorded onto my property. The agreement also removed my ex wife from the mortgage. I am attaching a recorded copy of the agreement to this complaint. I have also removed my ex wife 's name from the title of my home. My servicer, Roundpoint, after violating RESPA Regulation X by evading review for almost six months, improperly reporting and collecting on a loan that was modified in XXXX, ruining my credit and costing me thousands of dollars in legal fees, is still showing me in arrears and they state to my attorney that they can not recognize the loan modification that I signed because it somehow does n't meet their system requirements for default. They then after stalling for 6 months stating they did n't have a complete file, finally issued a new loan modification agreement and they are trying to add my ex wife 's name back onto my mortgage. They also asked for a large down payment. I have done nothing wrong here. My attorney asked Roundpoint to contact the investor/owner of the loan to get this problem ( which is on their side ) resolved so my loan can finally be out of limbo. I feel I have been victimized by both my servicer and the investor of this loan " XXXX XXXX XXXX XXXX XXXX ''. Roundpoint purposely avoids discussing this account. Every time my attorney contacts them to try and resolve THEIR error, they put him into voice mail and never return the call. The VP of the servicer wrote some fraudulent letter stating they did nothing wrong, but it is very easy to understand. They are servicing a loan that was modified and they refuse to recognize it. Ruining my credit, costing me thousands of dollars in legal fees and stress that is easily fixable if they would just contact the investor and stop avoiding the problem. My loan was modified in XXXX. As of today they still show me due for XXXX XXXX, XXXX. This can not be legal. Roundpoint is a crooked servicer who thinks they do n't have to follow Respa law regarding servicing and servicing loss mitigation situations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: GA
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 just refuse to correct the issue with XXXX displaying this late payment in XX/XX/XXXXwhich is not true. In addition I attached a picture showing the " Status Date '' has " NOT BEEN UPDATED '' and Status Date per their description on their pages states : Date the creditor last reported information about the account " PAYMENT STATUS ''. 

My payment status has been great and I should not have any late payment displaying. I'm going hold Experian liable for this error as I have tried to correct this error over 3 years. This is only displaying on Experian. 

In addition to that, this accounts should be showing closed since I do not have to pay on them until XX/XX/XXXX, per the Department of Education and the loans are more likely will be forgiving because of the illegal practices of University of XXXX. 

Please correct this payment history or face legal actions this Experian last chance!

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 2022-05-17
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ProCollect informed me that I have a balance of {$5000.00}. Per the last XXXX bill I received, I do not owe that amount. ProCollect has tried to forcefully make me pay the incorrect amount. 

ProCollect employees are VERY rude! They will cut me off while I am speaking. They will call me XXXX times a day.

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 2022-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I have filed an FTC report # XXXX Experian violated my rights as a federally protected consumer and furnished my privact information on XX/XX/2022 to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX also on XXXX XXXX ) under 18 USC 1028a Aggravated identity theft and 5 USC 552a ( e ) ( 3 ) -Consumer Privacy Act.

Included are my proof of identification and a bill-this should apply to any and all communications regarding this complaint.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was alerted on XX/XX/2022 that I had an inquiry from TransUnion that XXXX XXXXXXXX XXXX pulled my credit. And on XX/XX/2022 I was alerted that TransUnion was pulled a second time for an inquiry for XXXX XXXX XXXX which is also not mine. And XXXX was also alerted on XX/XX/2022 with an inquiry from a company with the initials of XXXX. And not to mention on XXXX I was alerted with an increase from XXXXXXXX XXXX I have no idea where these inquiries come from and I would like them removed please as soon as possible

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 2016-10-23
Company: AFNI INC.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/2016 I started the process to get a debt from AFNI , Inc validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX. XXXX XXXX XXXX, IL XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 { 15 USC 1962e ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. Within the 30 days as allocated by the aforementioned statute. they sent back copies of a phone bill totaling {$890.00}, and a letter stating ways to pay them. NO SIGNATURE ELECTRONIC OR OTHERWISE was contained in the response from AFNI , Inc . Anyone can make a phone bill with enough know how with Photoshop or many other free programs on the internet, I can take the same bill they mailed me and change it in about 5 min to make it look like THEY owe the bill. That to me is NOT validation of a debt, and none of the forms mailed to me contained any signatures of mine electronic or handwritten. They did mark their trade line on my report as " Disputed ''. Already with no proof of MY signature validating the debt, they have already broken Federal law, by not supplying it within 30 days. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them one last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been one response from this agency. My follow up letter has been ignored, I have all documentation of my attempts of correspondence with AFNI , Inc, and will also be attached with my complaint. This is LEGALLY unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
On XX/XX/2019, BANK OF AMERICA has added a collection on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. XXXX XXXX XXXX didnt verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature doesnt validate the debt and anybody can send a bill and say its mines. According to the FCRA, BANK OF AMERICA has violated my rights as a consumer and I am requesting legal action to remove the account immediately.

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 2015-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
My family was hit with numerous XXXX bills at the same time our monthly mortgage payments went up so our ability to pay all our bills on time was seriously affected. We have approximately {$10000.00} in credit card debt with Capitol One and have tried repeatedly to make our monthly payments of approx {$260.00} on time and have missed some therefore incurring late fees, we have contacted Capitol One repeatedly to see if we could lower our monthly to {$150.00} they said all they could offer was to not attach late fees if we continued to make those {$260.00} payments on time, which as I said we can not do, I therefore contacted Capitol One and requested my account be closed, we still are trying to make our payments on time but continue to incur those late fees, our last bill was for {$560.00} which we ca n't pay, as I have said we have never refused to pay our bills, but when we get at least XXXX calls per day at various hours that is just harassment. We are at a loss as to what to do we are potentially looking at bankruptcy or foreclousure if we can not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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 Account # XXXX, has violated my rights. 
Amount : {$1000.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1400.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1400.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1100.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1600.00} Date : XX/XX/XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: MA
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 spoke with an alleged manager at All Debt Solutions , Inc. in XXXX, MA in regards to their false reporting to credit bureaus which resulted in a negative mark on my credit. The debt had been paid directly to original creditor. This manager stated he saw that it had been paid yet still reported it as unpaid. When confronted about the false reporting, he alleged that it WASN'T false reporting. How is it not? They admit to debt being paid and also admitted to reporting it had not been. That is textbook " false ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a mortgage and HELOC with US Bank. Due to XXXX, I entered an 18-month forbearance plan on both accounts. The mortgage loan was successfully modified in XX/XX/XXXX and is current. I resumed interest payments on the HELOC on XX/XX/XXXX, and have made monthly payments since. US Bank claims they have not heard from me on how to proceed with exiting the forbearance plan nor have they given me options by sending documents to defer or modify as they did with the mortgage loan. They sent a letter on XX/XX/XXXX, stating if they don't hear from me by XX/XX/XXXX, the forbearance will expire and I will be required to pay the outstanding balance due in full of {$20000.00}, due by XX/XX/XXXX. I do not have the resources to pay this balance. I have tried getting in touch with them multiple times. Each time I call the customer service number, I get rerouted to different departments and do not successfully connect to someone who can help. I'm on the phone for several hours each time I call. I am worried US Bank will move this account to collections and I have tried to reach them regarding this issue 5 different times to no avail. Please advise. Thank you.

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 2016-04-01
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, they provided internet while I was in that address. I paid that last bill, which came to my current residence because I told them I was moving and where to send it. Why have I not heard anything until 2 years later? I moved out XXXX, 2014. What sense is that? Also, it does n't state why I owe, for what, a date, or any applicable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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:
I filed a dispute with the Credit Bureaus requesting Deletion of student loan account ( XXXX XXXX ) account # XXXX due to several inaccuracies that is being reported between each credit bureau XXXX I submitted my credit report and highlighted each item that was inconsistent. Approximately a month later I received notification from the bureaus that the account had just been updated. I printed my new report to find that the account ( XXXX XXXX ) still read incorrect information. The bureaus stated that the XXXX XXXX XXXX Account was properly investigated, but how is that possible when the account status dates are inaccurate, the date opened is inaccurate, date last reported is inaccurate, comments, and date last active is inaccurate. This is grounds for the account to be removed. 

The credit bureaus violated my rights under 15 USC 1681 section 604A section 2 : which the law clearly states a consumer reporting agency can not furnish an account without my written instructions.

The credit bureaus also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes. In this case I was never notified of receipt of my dispute.

The bureaus also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states that if items are found inaccurate or can not be verified the consumer agency reporting shall promptly delete the information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They went into my checking account with no authorization after I paid them once and took additional money they took ; XXXX XXXX XXXX XXXX XXXX all on XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: U.S. BANCORP
State: OR
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:
US Bankcorp was my first credit card. I have had this credit card for the longest time. Until recently I have had problems making the payment on time due to being in between jobs. I want to say over the past year I been late twice and most recently requested a late fee removal and was denied. I wasnt given an explication or nothing.

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 monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with the Credit Bureaus requesting Deletion of student loan account ( XXXX XXXX ) account # XXXX due to several inaccuracies that is being reported between each credit bureau XXXX I submitted my credit report and highlighted each item that was inconsistent. Approximately a month later I received notification from the bureaus that the account had just been updated. I printed my new report to find that the account ( XXXX XXXX ) still read incorrect information. The bureaus stated that the XXXX XXXX XXXX Account was properly investigated, but how is that possible when the account status dates are inaccurate, the date opened is inaccurate, date last reported is inaccurate, comments, and date last active is inaccurate. This is grounds for the account to be removed. 

The credit bureaus violated my rights under 15 USC 1681 section 604A section 2 : which the law clearly states a consumer reporting agency can not furnish an account without my written instructions.

The credit bureaus also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes. In this case I was never notified of receipt of my dispute.

The bureaus also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states that if items are found inaccurate or can not be verified the consumer agency reporting shall promptly delete the information from the file of the consumer

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 2015-11-22
Company: U.S. BANCORP
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I went to get gas and the card declined so I was never able to get gas at all. I called the card company and they could not find a reason as to why it declined but proceeded to tell me telhey will be holding all of the money I have on the card. It 's been 9 days and they still have n't released my money. Not only that but they said it would be another 5 days before it is released. This has caused a huge problem and is a huge inconvenience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
For the past 3 weeks I have been sending Capital One identification and social security cards for authorized users on my accounts to have my Capital One accounts un restricted. I've called capital one multiple times regarding the system not accepting some documents. Also, I told the customer service rep XXXX ID XXXX, that according to the Privacy Act of 1974 some of my authorized users won't be submitting documents. XXXX was no help. A manager by the name of XXXX was also no help and I spoke to her two weeks ago. I am continuously submitting documents on behalf of authorized users and nothing is being done. Capital One is costing me time, stress and also due to the pandemic I am tight on funds and Capital One locked my accounts. The representatives are horrible with customer service and assistance and no supervisor/manager is un restricting my accounts and I have submitted the documents more than once. I will be reaching out to the CEO via private mail as well to resolve this issue. I've been a customer for 3 years now and Capital One is committing deceptive practices assuming I'm some " Fraudster '', when in reality the people behind Cap One are Fraudsters. I will also be taking action if this isn't resolved immediately. 

Thank you.

Company response to consumer: Closed with explanation