BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: SIERRA PACIFIC MORTGAGE
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, I would like to file a complaint against Sierra Pacific mortgage company. 

My XXXX payment was posted as an additional principal payment incorrectly instead of as a regular monthly payment. They have ackowledged this error. Since this time they have been showing that I am a month behind. My payments have all been made in full and on time. 

*My XX/XX/XXXX payment cleared my bank on XX/XX/XXXX. It was not posted to my mortgage account until XX/XX/XXXX. I was told on the phone that this " was held in a non-interest bearing account '' My question is why? 
*I have received letters of foreclosure. This is very concerning. I am also curios how they would threaten foreclosure if they are only showing one month behind.

*I have received numerous collections calls, one per day. Each time I have to tell the person to read the notes. " they are unable to take me off the collection list until accounting moves the payment and corrects this '' *I have made countless attempts to contact them about this, by phone, email and fax. I have sent copies of my bank statement and transactions as proof.

*I got my mortgage broker involved. She has discontinued using Sierra Pacific because of issues in addition to mine. She was not able to help me. 

*They are adding late fees to my account balance. 

I desperately need someones help with this. I can not afford to hire an attorney. If this is just an error it should not take 7 months to correct. I beleive that there is something very irregular going on. 
Their error that should have been corrected months ago is causing me not only stress but effecting my credit rating. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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, the last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Name ... XXXX XXXX XXXX Account # XXXX Name ... XXXX XXXX XXXX # XXXX Name ... XXXX XXXX XXXX XXXX. # XXXX Name ... XXXX XXXX XXXXXXXX .. Account # XXXX Name.. XXXX XXXX in # XXXX Name.. XXXX XXXX ... Account # XXXX Name.. XXXX.. Account # XXXX Has violated my rights. 
15 u.s.c 1681 section 602 A. 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 instruction..

15 u.s.c 1681 C. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years..

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft this is a fraudulent account and needs to be removed from my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking over my credit report there was some of these inquires on XXXX, XXXX and Equifax. that I do not recall. Nor giving them permission to run my credit. Before, I submitted a claim with CFPB I contacted each bureau as well as the banks that ran my credit. Neither could give me information on these inquires. Therefore, my next course of action is to submit a complaint with CFPB regarding these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020, I started a refinance with Citi Mortgage Co. They charged my credit card for {$690.00} for an appraisal. The mortgage processor I was never able to reach at anytime. They asked for documents and I submitted everything they requested. An underwriter called about getting additional information. In XX/XX/2020 still no word on a closing date. I asked that they refund my credit card because they were not going to close on this refinance. They will not refund my account for services that they fail to provide. For that reason i need Citi Mortgage to refund my full amount.

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 2021-12-13
Company: Mortgage Research Center, LLC
State: AL
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:
Dates:XXXX  XXXX, XXXX XX/XX/2021, XXXX XX/XX/2021 Several inquiries were reported and placed on credit report without knowledge to the consumer that credit checks were being acquired. None of these inquiries resulted in established open accounts. Requests to have these inquires removed have been ignored by the companies and credit bureaus.

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 2022-05-02
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2022, per my conversation with Lexis Nexis,. They are still reporting incorrect information ( Bankruptcy ) that was not verified by the original source. XXXX XXXX XXXX XXXX XXXX XXXX  ) stated that Lexis Nexis did not contact the courts for verification and relied on a 3rd party vendor for for verification. When ask, they refused to give me the source. Im requesting that this information be removed per FCRA due to un verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a letter from Truist bank stating that I owed XXXX $ for a closed and overdrawn balance on XX/XX/2022. I have never opened an account with Truist. I contacted them, and they requested I fill out this complaint while they investigate

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 2019-10-01
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have filed a complaint against Western Union.

Western Union Reference Number : XXXX I am trying to get a refund on {$3000.00}, however, no Western Union branch is willing to give the money. I went to 12 different locations including check cashing service, grocery stores. All locations denied to give out cash. 

I have sent an email to Western Union 's Executive resolution department but they are useless. I have sent an email to Western Union 's executives but to this day, nobody contacted me. I have emailed to many executives including company CEO, Mr. XXXX XXXX. 

I don't know how can Western Union stay in business when you can not even get {$3000.00}. What is the point of sending the money and paying {$75.00} for their useless service. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: JTM Capital Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I send out a certified letter to validation this debt from Jtm management Its Now XX/XX/2023 its also past XXXX days. They did receive the letter on XX/XX/2023 and it was signed They never verified the debt. I will call the company and it keep going to company voicemail and left voicemails But Im being harsh with phone calls from this company. Everytime I dispute this account its always updated thats it verify. Will also attach the letter I sent to them to fill out to verify and also the certified receipt. This account was paid in full and I never had any late payments or negative history on this account. This account shouldnt have went to collection and it shouldnt be saying charge off. The resolution to the company is to : To remove this debt off my credit report With all three credit bureau XXXX, XXXX, XXXX For not verifying debt within 30 days and for harassing me. will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
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:
Good morning, I recently refinance my primary mortgage with XXXX  XXXX. XXXX  XXXX asked to subordinate Webster Bank HELOC and I made this requested on XX/XX/XXXX. It has been more than two month now that both XXXX  XXXX and myself have reached out to Webster Bank subordination request and branch manager for assistance. However, no response from subordination request department at all. So I decided to closed Webster HELOC account. Today, XXXX  XXXX reached out to me saying on XX/XX/XXXX Webster hard pulled my credit asked me for explanation. I dont know why Webster hard pull my credit? I dont know what its for? I have not apply anything with Webster Bank. For subordination request there is no need to hard pull credit or at lease let me know its part of process?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been given the runaround since XX/XX/XXXX by Ditech Financial in an attempt to cash an escrow check due to a recent payoff that was issued in my deceased mother 's name since she was the borrower on the account. 

My sister and I were added to this property via deed back in XXXX and when my mother passed in XXXX of XXXX, I was handling all affairs on loan. I never went through probate because my sister and I were added onto the deed with our mother. 

I initially called Ditech on XX/XX/XXXX and spoke with Customer Service explaining the escrow situation because my brother was in the process of refinancing our mother 's property. We were already given the payoff date of XX/XX/XXXX. 

I explained that the escrow check being issued under my late mother 's name would be a problem. The Customer Service agent explained that I would need to fax a copy of the death certificate and warranty deed to confirm ownership of the property. 

On XX/XX/XXXX I faxed copies of the death certificate and warranty deed along with my request on the fax cover sheet. Please see attached proof of fax. 

My second attempt was made on XX/XX/XXXX when I sent an email submitting the documents again and explaining my request in detail and on XX/XX/XXXX a generic response was sent from Ditech that my request is being reviewed. 

On XX/XX/XXXX Ditech responded to my request asking for a copy of the death certificate and legal documentation confirming right of ownership. I had already sent in the death certificate and warranty deed two separate times XXXX XX/XX/XXXX and XX/XX/XXXX ). 

My third attempt was made on XX/XX/XXXX when I sent yet another email explaining my request and resubmitting the documents requested along with a copy of the escrow check that was issued to my deceased mother. 

I have yet to hear a response back from Ditech. I now have an escrow check that I am unable to cash because it was issued to my deceased mother. Please I am asking for assistance in this matter. Ditech needs to issue the check to either myself or to myself and my sister as I have submitted proof several times that we were added to our mother 's deed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Towards the end of the underwriting process, I was told that the underwriter would not consider the income coming from my rental properties because I didnt have a years worth of rental. I told them that I had over a year of rental income from both properties. Everything was verifiable. The properties were under my name directly and I had proof of income. I believe I was discriminated against because of my race. A simple refinance shouldnt have been an issue with such a low mortgage amount compared to my income. I sent them all of my documentation and clearly explained to them all my properties and that one of my properties were free and clear from any debt. This is not right and they are making up reasons to not close on my mortgage for the low rate they had promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dispute filed in XX/XX/2019. 

Synchrony Bank Mastercard gave a temporary credit while they investigated. In the meanwhile, I returned the item. It was verified returned on XX/XX/19 by XXXX ( XXXX XXXX ) at XXXX x XXXX. He was unable to refund because Synchrony Bank Mastercard still had a dispute noted. He said he'd do a 3-way call but couldn't because the Synchrony Bank Mastercard dispute line was full and continues to be full even when their own supervisors have tried to help me connect. You can't get through. 

The dispute number to call imessage is mailbox full! Called 2 Synchrony Bank customer service supervisors on XX/XX/19 and XX/XX/19 ) and they were also unable to access the dispute center at XXXX. 

This charge is {$190.00} for 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 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was compromised, a loan company phished my account, I spoke with 5 different fraud departments. They clos! ed the wrong account. There was a digital check that isnt my signature. Yet bank of America didn't resolve the issue. Yesterday day they force closed my account. Every measure that was required of me, I complied. Bank of America had been my personal and business bank for years. XX/XX/XXXX was my first claim. Now XX/XX/XXXX my account was forced closed. Due to the inadequate response, this has affected my business, non profit, and credit score. I reached to the XXXX XXXX. to report my identity and banking information compromised.

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 2022-05-02
Company: Westlake Services, LLC
State: IN
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 a payment on a credit card account under an open end consumer credit plan as late for a purpose.

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 2018-04-16
Company: EQUIFAX, INC.
State: FL
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 have sent the credit reporting agencies multiple letters about inquiries reporting on my report without authorization from me, I have tried to contact the company as well with no success. I have uploaded the letters that was returned to me due to vacant property, FTC REPORTS ALL COMPANYS AND CREDIT REPORTING AGENCIES MUST BE IN COMPLIANCE DISPLYING ACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX  XXXX Account number:XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX  XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief