BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a hard time trying to resolve my 1st & 2nd mortgages through a short sale. These are 2 very bad loans from subprime XXXX, from the mortgage crisis. I like many Americans did not realize how bad my loans were until the mortgage crisis hit. I tried to fight these bad loans with an attorney to keep my home. I was, unfortunately, unable to do so, and am currently doing a short sale. Both of my loans have been sold. XXXX XXXX has the first. The 2nd was charged off because it was terribly upside down, and Real Time Resolutions has now. XXXX XXXX has approved a short sale based on there BPO & appraisals at {$730000.00}. XXXX XXXX has approved a {$6000.00} payoff for the 2nd lien. Real Time Resolutions is not willing to approve my short sale. Even the real estate company reduced the fees to 3 % total to help me get approved. 

Real Time Resolutions originally asked for {$29000.00} dollar payoff. My real estate company explained to them how absolutely ridicules, and possibly illegal that request is. Real Time Resolutions then dropped the amount to {$15000.00} stating they need 10 %. XXXX XXXX investor guidelines will not allow more than {$6000.00}. Real Time Resolutions is forcing me into a foreclosure. 

My main complaint against Real Time Resolutions is obvious greed and predatory lending practices. Real Time Resolutions is stating that because my 2nd lien is not XXXX XXXX or XXXX XXXX they will not accept {$6000.00}. These are obviously good guidelines for mortgage loans. BUT because my loan is a fraudulent subprime loan from the mortgage crisis from XXXX they will only accept {$15000.00} or more! How is that even legal in America? How can this company ethically behave like this?? Because my loan is a bad loan from the mortgage crisis they demand more!! This is plain and simple predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX with VS card rep for re payment many times due to loss of XXXX XXXX XXXX  and not having enough money at the time due to other bills. Explained I'm a single mom w/ two child juggling bills and will pay, couldn't set up a time since I wasn't sure how income would be, tried to cancel card, and wouldn't. 

Called on different numbers- didn't answer XXXX Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX am XXXX XXXX XXXX a, Spoke w/ rep dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX am XXXX XX/XX/XXXX XXXX pm Other potential spam number can't remember if VS related XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXXXXXX XXXX didn't answer XX/XX/XXXX XXXXXXXX XXXX  spoke with XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX didn't answer XX/XX/1855 XXXX XXXX XXXX XXXX  didn't answer also informed them I knew they only could call x amount of times- found this information to confirm and now sending complaint to you. Please help thank you. 
How many calls from a creditor is considered harassment? 
seven times The debt collector is presumed to violate the law if they place a telephone call to you about a particular debt : More than seven times within a seven-day period, or. Within seven days after engaging in a telephone conversation with you about the particular debtXXXX  XXXX, 2023 When and how often can a debt collector call me on the phone? 

Consumer Financial Protection Bureau ( XXXX ) XXXX XXXX XXXX XXXX XXXX 

( I was wrong about some of the information and over whelmed with the calls which caused me XXXX and other mental health issues )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: Accelerated Servicing Group LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving calls from ASG XXXX 6 months ago telling me that they are a debt collection company representing XXXX XXXX XXXX and that my file was placed with them for collection. I thought someone had stolen my identity because I knew I had never had an account with XXXX XXXX XXXX  so I started to file a report with XXXX XXXX In filing such report they ask for information from the original source of debt. So I called XXXX XXXX XXXX on XX/XX/XXXX and they said they could not find anything in their system with my name or social security number and even if the account had been closed they would still he able to pull it up. They advised me to ignore the calls. I've been called every day since though and the calls start early morning and stop after XXXX sometimes. They call every hour and I've had to just turn off my ringer because they drive me crazy. I've tried blocking the numbers but they call from another. They have left me several nasty voicemails which I have saved for proof if needed.

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 2020-03-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
reporting inaccurate information based school closure and refuse to remove.

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 2023-04-23
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: Information belongs to someone else

Complaint:
Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 Transunion, XXXX, XXXX is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give XXXX, XXXX, and Transunion written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX.

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 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a list of accounts that show incorrect information on my credit report. I've gone back and forth with the creditor and the bureaus for a while and the problem is still not fixed. I've attached the accounts below. They need to be removed from my account. I listed the reason 's why as well.This has brought much grief and heartache to me and my family, I hope this is we can get this resolved.

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 2018-03-06
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2017 I transitioned into a new job. Almost immediately at my new job I experienced inappropriate behavior by my superior which caused me to quit. In the coming months I experienced XXXX, XXXX  and gained XXXX pounds. I also was struggling to pay my mortgage due to loss of income and the XXXX. Finally at the end of XX/XX/2017 I was able to get a job. I have called the mortgage company, M & T Bank, to start the process of catching up on my mortgage payments. I offered to make payments to M & T Bank every other Friday until my mortgage is current. On the day that I called the representative stated that they had placed my mortgage in foreclosure that very day. Literally the day that I called. I told them that I find it no coincidence that the day I call is the day they place my house in foreclosure. I again offered to make payments every other week until I'm caught up. I said I would give them all my money for the next couple of months. She stated that I would need to send them over {$7000.00} that day to stop the foreclosure. My only other option is apply for a loan modification loan, which offers no guarantee I will be approved or that the foreclosure will be stopped. While they decide to approve me for the loan modification, the foreclosure will continue to proceed. M & T Bank has a consumer who is very willing to make payments to bring their mortgage current. I do not want to be homeless, I just want to pay my bills and take care of my family. They have made a very difficult last few months infinitely worse. Please help me save my family and our home.

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 2023-10-31
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I held money in my savings account with intentions on using the funds for a large purchase the sum was XXXX XXXX Upon moving the funds to my checking because they were still available to me, from what Ive been told, Navy Federal also withdrew the full amount of my savings and moved it to my checking without my knowledge or approval. This made my Savings negative. I have no proof of the funds being used and no answers as to why such a large amount was moved. When trying to talk to Navy Federal a woman just told me thats their policy and hung up on me. Now they are threatening to charge off my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 XXXX, XXXX, Experian is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give Experian, XXXX, and XXXX written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX.

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 2018-04-10
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were not authorized. I applied for 2 vehicles and the 2 banks that I gave my personal information to, forwarded my personal information to other banks without my consent. Since that time, my credit report has been run numerous times without my permission. And in cases where I did give permission, they ran it repeatedly without my permission. These false inquiries need to be removed from my credit report. They are all listed below : INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX O INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATEXX/XX/XXXX INQUIRER TD XXXX XXXX INQUIRY DATEXX/XX/XXXXINQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATEXX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXXINQUIRER XXXX XXXX XXXX XXXX  INQUIRY DATEXX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRER XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXXINQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX  INQUIRY DATEXX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I have attempted to receive the payoff of the loan XXXX XXXXXXXX multiple times. The last one I received was past the time frame I needed. It is stated that its a 3-5 business day turn around and that has never been the case. 
I have XX/XX/XXXX and XX/XX/XXXX requested for the payoff of the loan XXXX XXXXXXXX total and the payoff for each individual properties : 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 Currently the property at XXXX XXXX is in escrow to sale and the payoff is needed as soon as possible to meet the close date of the sale. 
I would need these payoff through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
NOTICE OF DISPUTES I've tried numerous times to remedy this with TRANSUNION. TRANSUNION has done nothing except delay. They had earlier said that the accounts had been verified. I am once again requesting that TRANSUNION give me with documentation indicating that I am LEGALLY OBLIGATED to pay this supposed debt. TRANSUNION has received identity information on several occasions. Please take in mind that this is causing financial difficulty. Failure to reply in an appropriate and lawful manner will result in further legal action. Failure to react within 14 calendar days will be seen as your acceptance of the debt 's illegitimacy. Please confirm and give evidence that I am " LEGALLY OBLIGATED '' to meet these apparent commitments. " HAVE BEEN VERIFIED '' is a basic response. Respectfully delete the following immediately : 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 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 XXXX XXXX XXXX XXXX XXXX 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 2019-06-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had two checking accounts with Fifth Third Bank which were overdrawn due to fees imposed on the accounts and then additional fees due to the accounts being overdrafted by the original fees. I never opted-in to any type of overdraft protection program for this very reason. The Bank closed my accounts and immediately sent them to collections. This strikes me as usury and nickel and diming customers. I know owe over {$1000.00} to the collections agency due to Fifth Third 's deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check for {$6900.00} from XXXX and deposited the check on Saturday XX/XX/XXXX. I was told and received a slip stating that {$5300.00} would be available on Wednesday XX/XX/XXXX and the other {$1300.00} would be available XX/XX/XXXX. I then received an email that the funds would be held till XX/XX/XXXX. I called on Monday XX/XX/XXXX to ask about it and was told after the operator spoke to a supervisor not to worry and that it would not be held till XX/XX/XXXX, that it would still be release XX/XX/XXXX. Wednesday XX/XX/XXXX is now here and theres no funds Available. I again called Bank of America and was told its being held till XX/XX/XXXX and theres nothing they can do because they have to make sure the check clears. I then called XXXX and asked if they can do a wire transfer because Im having this issue and he looked up the check and said it was already cleared and funded on Tuesday XX/XX/XXXX so he doesnt understand why my bank is holding it that long. I would like to know why their holding it to be sure it clears if the issuer has already funded it? Why do they need 10 days over the time that it was funded? If it has been funded, why do they need to hold it longer? Ive never had an issue with my account. Theres never been suspicious activity or any checks that havent cleared. This is causing a financial hardship for me and I dont understand the reasoning for it.

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 2023-04-23
Company: LEXISNEXIS
State: IL
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:
So I requested a consumer disclosure report from LexisNexis. I then received a letter from LexisNexis with a code that I should utilize when trying to retrieve my consumer disclosure report which will expire in 30 days. After several attempts not being able to log in. I reached out to LexisNexis regarding this with no response! Are they refusing to provide the necessary information to retrieve my report. Also it has come to my attention that LexisNexis automatically sells your information to XXXX, XXXX AND XXXX. How is this possible without my permission?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: MO
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:
These 2 accounts are fraudulent and I'm demanding that they be removed immediately from my credit file. These accounts are not mines nor do i have any knowledge of them.

1. XXXX XXXX XXXX {$540.00} 2. XXXX XXXX XXXX {$68.00}

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 2023-11-07
Company: RFNA, LP
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation