BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: Residential Mortgage Solutions, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I refinanced our home in XX/XX/XXXX through a broker, Residential Mortgage Solutions , Inc. ( RMS ) out of XXXX, MD. 

In XX/XX/XXXX our new lender, XXXX XXXX, sent us a letter stating that after performing an escrow analysis they found we have a {$700.00} shortage. This came as a huge surprise since both our property taxes and our homeowners ' insurance have reduced. If anything, we should have had excess. 

After reaching out to XXXX, and getting no satisfactory answers for months, eventually getting no return phone calls I threatened to reach out to the CFPB. Only after that did XXXX XXXX, owner of RMS, contact me again. 

He eventually sent us a check for {$300.00}. This was his offering to " split the difference '' of our {$700.00} shortage. This seemed to be odd business practice and raised a red flag to me. 

Meanwhile, during my research into finding our lost money through the title agency, our county tax collector and our previous lender XXXX XXXX XXXX XXXX XXXX XXXX, I learned we were actually shorted {$2300.00} from RMS. This amount represents our 4th quarter taxes and insurance, which unbeknownst to us at the time, we had already paid two days prior to closing through automatic withdrawal. Meanwhile, XXXX XXXX insisted his company ( RMS ) paid. 

While XXXX XXXXXXXX XXXX did send in a check for {$1800.00} to our county for taxes it was returned to them, since we already paid. ( see attached documents ) We signed a promissory note to RMS for {$2300.00} during the closing. This was to be for them for a " lender advance '' to alleviate a financial burden caused by the {$2300.00} plus our monthly mortgage payment of {$1800.00}. We would repay once we received our refund from XXXX. This never happened though since we already paid our own 4th quarter and did not need the " lender advance '. 

I emailed XXXX XXXX all the documents I gathered proving the above and in XX/XX/XXXX he mailed us a check for {$1400.00}. However, XXXX XXXX mistakenly deducted {$620.00} from the {$2300.00} since that is the refund we received from XXXX. We were owed that amount in full. That {$620.00} was our excess funds in our XXXX. account and should've remained our money. 

After pointing out his error multiple times XXXX XXXX is no longer communicating with me. I have been quite patient throughout this long ordeal putting up with XXXX XXXX brusque responses and I respectfully request your assistance in getting reimbursed our {$620.00} to make us whole. I thank you Kindly for your consideration.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-19
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ONLINE INFORMATION SYSTEMSXXXX XXXX XXXXXXXX NC XXXXXXXX XXXXHas placed medical collections on my XXXX Credit Report, which they have not validated. I have sent them a Demand Letter, explicitly stating the requirements for debt validation as per the terms of the law;To: ONLINE INFORMATION SYSTEMSXXXX XXXX XXXXXXXX NC XXXXI am sending this letter due to your incorrect reporting to the Credit Bureaus. This erroneous reporting negatively impacts my credit which hinders my ability to get financing. I’m requesting in accordance with the Fair Debt Collection Practices Act (15 USC 1692g, Section 809b) notifying you that your claim is disputed and validation is required. I am not requesting verification rather I am requesting validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you.I request the following:Justification for the claimed amount, including invoices or receipts.Explanation of how you calculated the amount owed.Copies of any documents stating that I agreed to pay the claimed amount.The identity of the original creditor.Proof that the Statute of Limitations has not expired on these accounts. Proof that you are licensed to collect debt in my state.Your licensed numbers and Registered Agent or Agent of Service.I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will consult my legal consul. If I personally don’t receive a response from you for validation of these accounts within 30 days, all references to the accounts must be deleted from all three Credit Bureaus. As they have received this letter via certified postal mail, I expect them to remove the collections from my credit reports because the debts are not valid and unless they are able to prove the debts are valid I must not have false information negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2020-10-26
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Navient has continued to incorrectly report to each of the credit bureaus ( XXXX, XXXX, XXXX  ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. 

I have incessantly provided forbearance documentation signed by Navient contradicting their claims yet they refuse to correct the erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: NY
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:
Dear Experian, I am not a third party, I am a person. My name is XXXX XXXX, and I am a victim of identity theft as I have previously notified Experian

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 2019-08-19
Company: M&T BANK CORPORATION
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Had a home mortgage through XXXX XXXX XXXX  from XX/XX/XXXX-XX/XX/XXXX, then was switched to M & T Bank in XX/XX/XXXX. No notice was given to this switch until I was placed into foreclosure XX/XX/XXXX. The loan from my understanding was eligible for me to drop the insurance hazard insurance fee almost $XXXX  dollars extra/month due to me paying off  atleast 20% of the price of the phone. There was also another $XXXX  in late fees carried over to M&T bank when I was never delinquent with XXXX XXXX. However, when I discovered the loan was with M&T the $XXXX late charges were billed from them plus an additional $XXXX of late payment fees plus still no removal of the $XXXX  hazard insurnace. I had my Attorneys from XXXX XXXX XXXX XXXX write a letter demanding adjustment of these fees. There was no response until I received a phone call from M& T Bank on XX/XX/XXXX stating that if I did not pay 5 total payments of mortgage valued over $XXXX dollars then foreclosure would be accelerated and I would lose my home. I explained I just received notice of this and they said I could pay 4 months because XXXX was not due yet. I payed the four months to take this out of foreclosure and spoke with an XXXX   and it was agreed upon paying these 4 months would not get me reported to the bureau. As ofXX/XX/XXXX, M&T reported me delinquet for XX/XX/XXXX Payment when I paid the mortgage through XX/XX/XXXX. This caused my credit score to drop almost 90 points and kept me from getting an XXXX  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 monetary relief
Consumer complaint received 2023-08-29
Company: DISCOVER BANK
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with discover for about XXXX years and I closed it off on XXXX XX/XX/2024. While closing the account, I had XXXX $ that I paid and requested them to close my account. They said they will and deleted the app and thought it was done and dusted. I am not from the XXXX and I do not know all the laws. After XXXX months they call me and said they've tried contacting me over email and mail, and I owe them XXXX XXXX Now, the email they contacted is not something I use, I only used to check the discover app while I had it but I deleted after closing the account and I also moved apartments on XX/XX/2024. 

I paid them XXXX $ immediately and closed the matter. Cut to now, I am trying to buy a car and checked my fico score has dropped XXXX points ( XXXX to XXXX ) from last XXXX to now. Again, I am not used to checking my fico score, I'm not from this country. I called credit bureau to ask what happened to my fico score, they said discover reported it over the XXXX XXXX 

Now, I called discover, and asked them to check my payment history -- - I have never missed a payment or paid late and this XXXX $ is not something I would not have paid had it appeared on my statement while I was closing the account in XXXX. They could have called me soon too -- I could have paid earlier in that case. But I had no idea about this XXXX XXXX 

The XXXX discover ladies working in their credit report unit kept telling me they can not do anything about this because they need to send accurate report to the federal govt and if I have a problem I can start a dispute. So I started a dispute and also letting you all know. 

I am not from this country and you can all check my payment history. I would not steal someone's XXXX XXXX But I do not deserve to pay extra on EMI because my credit score dropped as a result of misunderstanding. Is there any way you can help me remove the negative scores on my credit report so that my credit score goes back to normal? Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2018-01-29
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX  reporting me with 3 collections {$2300.00}, {$920.00} and {$3900.00}. I have sent XXXX XXXX a debt validation for all 3 collections and they have not responded and also reporting me on my credit reporting agency XXXX, XXXX and XXXX. All 3 collections being reported does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed for California Unemployment Benefits online in XX/XX/2020. I did not receive my Bank of America ( BofA ) issued debit card and thought there was an issue with my claim. I was finally able to reach an EDD representative on XX/XX/2020 and was told my claim was active and advised to call BofA about getting a card sent to me. 

On XX/XX/2020 I spoke with a BofA representative who located my account and informed me that the initial card was fraudulently activated and used and she proceeded to close that card and issue me a new one. The rep also reset my online banking credentials and PIN so that I could access my account online. I was told to contact the claims department to file a dispute for the unauthorized charges made to my account. On XX/XX/2020 I filed the disputes. I was told BofA would issue a provisional credit and mail me more claim information in the next 7 -10 business days.

After receiving my card, I created a login for online access and didn't see any credits applied to my account. I called the claims department back on XX/XX/2020 and a rep told me there was some kind of system error affecting many accounts and that she would need to " escalate '' my claim. Again I was told I'd receive credit within 10 business days. On XX/XX/2020 I still hadn't received any credit so I called the claims department again and was told because of a banking holiday on XX/XX/2020 the tenth business day was XX/XX/2020 and the credit would be applied then. XX/XX/2020 still no credit. I called the claims department again on XX/XX/2020 and was told no time-frame could be given.

I have not received any correspondence from BofA regarding my disputes. My claim with EDD is in good standing. Federal Law and BofA 's cardholder agreement establishes my right to receive provisional credit for unauthorized transactions within 10 business days while the bank investigates my claim. In this context, Bank of America is violating this right by failing to issue credits to my account for these fraudulent transactions.

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 2023-11-30
Company: Regional Management Corporation
State: OK
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The main issue is they are calling my family and friends and disclosing what I owe and how much I am behind on. They are giving information that supposed to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: IL
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 requested that XXXX prove to me how they " verified '' that the account with XXXX XXXX XXXX XXXX is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. To no avail. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I used XXXX XXXX to transfer approx XXXX XXXX coin to Binance Us. Approx value at the time of Transaction XX/XX/2021 $ XXXX. The funds never showed up on BinanceUS wallet I was able to confirm the transaction was successful from the sender. I have email the customer service in excess of 20 times opening up tickets the return to my email immediately saying resolved, but no action has been taken. Need help please to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAINE & WEINER COMPANY, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX CAINE & WEINER ( XXXX  ) XXXX XXXX XXXX ; XXXX  ; XXXX ( XXXX  ) CAINE & WEINER COMPANY INC. ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XXXX. XXXX. XXXX  it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on CAINE & WEINER with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: OH
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:
The bureaus are reporting two collection that should not be on there. There is no money owed whatsoever. They agreed to delete once they have been paid and they have been paid.

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