BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX says I am Dead. I call and wait on the phone for one hour and then XXXX hangs up on me.. I have tried repeatedly to get this fixed. The first person I talk to can tell my file is jacked up. They forward me to a case manager and the case managers do not fix the problem and hang up. XXXX was the last person I talked to and after a 20 minute hold he talked to me for 2 minutes and hung up the phone.

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 2019-10-01
Company: Ascension Point Recovery Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex husband died at home in XXXX, Florida. He must have owed money to someone affiliated to Ascension Recovery Services whose phone number is XXXX. They called my sister 's landline here in Wisconsin looking for my adult son. None of us are responsible for his debt. None of us jointly own property with the deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In the beginning of XX/XX/XXXX my Physician informed me that due to XXXX   unresolved medical issues it would be best for me to have a XXXX XXXX  ASAP. I was scheduled for XX/XX/XXXX. 

I had been XXXX ill for almost 2 years and the financial toll was increasing so my Husband and I decided to be proactive with our debts. We placed a call to Penny Mac Loan Services to discuss the possibility of a " short term '' reduction in our Mortgage payment. Our Mortgage was transferred to PennyMac in a repayment plan. At the time of the call our XX/XX/XXXX payment was paid. I called ans spoke to several representatives from Penny Mac about their process in this matter. Their instructions were to fill out a hardship application and NOT PAY XX/XX/XXXX MORTGAGE so that the current repayment plan would deactivate and then they could just redo a similar plan. Because we really did not have a bad experience with our previous lender, XXXX, we trusted the representatives advice. 

The reason that we spoke with 6-10 representatives is because the assigned point of contact for us, XXXX XXXX, never answered or returned our daily calls in the Month of XX/XX/XXXX. In XX/XX/XXXXour previous repayment plan that had us patient XXXX a month instead of XXXX to pay a few months that we were behind with another company. Pennymac returned with an offer of XXXX month for 3 months and then XXXX or more for the final month. 

I had to send in the same paperwork numerous times. I was on XXXX through my employer from XX/XX/XXXX-XX/XX/XXXX when we were given a XXXX monthly repayment plan. We desperately need help to save our home from foreclosure. We have until XX/XX/XXXX. We are currently appealing the denied Modification the we re submitted after being attempting the XXXX monthly payment. 

Sincerely, XXXX XXXX XXXX Pennymac loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, 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:
to whom it may concern. I XXXX XXXX am a victim of id theft. i have obtained a police report, id theft report and much more. here are the fraud accounts that i need removed from my report asap. 

XXXX XXXX XXXX  XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX {$1300.00} DEPT OF ED/XXXX   {$36000.00} DEPT OF ED/XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX   XXXX XXXX {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XX/XX/XXXX {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
to whom it may concern. I XXXX XXXX am a victim of id theft. i have obtained a police report, id theft report and much more. here are the fraud accounts that i need removed from my report asap. 

XXXX XXXX XXXX XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX {$1300.00} XXXX XXXX   XXXX/XXXX {$36000.00} XXXX XXXX  XXXX/XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX XXXX XXXX {$2800.00} CAXXXXITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX {$1600.00}

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 2019-10-01
Company: Dana & Pariser Co.,L.P.A.
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: Account information incorrect

Complaint:
this bank company is reporting negative, false, misleading wrong information on my credit report, they are reporting fraudulent information on my credit report..on XXXX   they are reporting my account as a mortgage loan that has been charged off, and on XXXX  its showing a charged off credit card, and this is far from the truth, this is a deposit account only, this was not a loan nor a credit card, this was a deposit account only, a place were i deposit money only. it appears like this on experian XXXX XXXX XXXX - XXXX and like this as on XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The entire loan process was great until my loan was handed off to a " customer service specialist '' who was extremely rude and deceitful throughout the entire process. My realtor went as far as to say he lied to him and the closing agent I was working with. The customer service specialist tried to delay my loan closing after saying for weeks that everything was in line and that all the documents needed were collected. I later found out he had lied about that and there were documents that needed to be signed that were overlooked on his part. He admitted blame to me on this and then went ahead and told my previous loan officer that it actually wasn't his fault even though it was. One lie after the next. After leaving work early to compensate for my loan officers mistake ( I had to e-sign documents and don't have access to internet where I work ) I manage to get all the documents my loan officer needed. I called and called my loan officers leaving unanswered voicemails and eventually got my officer to answer the phone. He told me my loan would be pushed back to the original date XX/XX/19. The next day I get calls and emails from my realtor and closing agent informing me that my lender did not change the documents to the correct date. Again, I try and try to call my lender and finally get them to sort the whole thing out. Of course I have to leave work to handle this but this is none of my lender 's concern. Customer service is not their strong suit. I asked for a small closing credit which was ignored for several days until I was told I waited too long to ask for a credit. They would have given we a closing credit to begin with but unfortunately it took them four days to get me set up with a realtor. Each day they told me it would be less than 24 hours. My entire experience has been nothing but ignored phone calls, lack of accountability, and poor customer service. I asked to speak to management but was ignored and kept being told I'm talking to the " top tier '' before they moved me up to their next " top tier ''. I have had few honest encounters with their staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a tax lien that was released in XXXX of 2015. As instructed by my state tax commission, I mailed a copy of the satisfaction letter to all XXXX credit reporting agencies on XXXX XXXX, 2015. XXXX & XXXX removed the lean within days of the letter receipt, but Equifax has yet to remove the lean from my credit file after several additional attempts to dispute the tax lien via their online dispute system, USPS mail, & fax. I am beginning to get frustrated as this is negatively affecting my overall credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a trial modification agreement where the taxes and hazard insurance for escrow is incorrect. The correct amount for the annual hazard insurance, the monthly escrow is {$100.00} and the annual property tax, the monthly escrow is {$180.00}. I asked Penny Mac to correct the monthly escrow amount to reflect the correct amount which will lower my monthly mortgage payment. They want me to sign the modification documents on an agreement that is not correct and if I sign that is agreeing to an incorrect escrow payment. 


Hazard Insurance annual premium {$1200.00} divided by 12 equals {$100.00} XXXX XXXX XXXX County Trustee {$2200.00} divided by 12 equals {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been struggling to finalize a loan modification with Ditech for 3 years now. I also filed a claim here XXXX XXXX # XXXX. Ditech has processed 3 modifications that were errored, collected undue late fees, incorrectly reported by interest paid in XXXX and continuously reported our mortgage past due when we have not missed a payment since the modification process. For a period of 3 years, they have harassed us with calls ( even after being asked to stop ) and cause extreme stress and efforts in trying to correct this. Even during the death of my son ( XX/XX/XXXX ) we had to endure the stress of Ditech inappropriately and inaccurately handling our mortgage process. I have spoken to them numerous times with no success. Their most recent action was " selling our mortgage '' to XXXX as delinquent ( 351 days, {$22000.00} ) when they promised they were in the process of final corrections before selling our loan. We have escalated the issue with XXXX  but are facing foreclosure on our home of over 20 years. I will attach all previous contacts, complaints, statements and communications with Ditech. Ditech deserves extreme repercussions on handling our account as well as we feel they financially owe us. Currently, we are just trying to save our home and bring it current as well as fix our credit reports. 
Thanks!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My accounts were showing 30 to 60 days late in XXXX and XXXX. Due to XXXX and XXXX, I was informed by creditor that late fees and payments were being waived and credit back to me. Accounts still shows 30 to 60 days late. The following accounts are : XXXX XXXX  : XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX  XXXX, Other Cards : XXXX, XXXX XXXX, XXXX XXXX  late payment in XX/XX/2019 has been removed and credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had a Fidelity Rewards credit card issued by U.S. Bancorp that was converted to XXXX XXXX XXXX in the summer of 2016. The advertised rewards from XXXX is that you receive double points for all qualifying purchases and 2 % rebate if the rebate is deposited into a Fidelity account. 

I have been diligently redeeming my rewards over the past year only to realize that I had only been given 1 % instead of the 2 % as advertised. I never received any information that upon my account converting from Bancorp to XXXX, I was supposed to call to change my rewards level. This was not clear and a very deceptive process for all customers. 

All along I was using my card to receive the 2 % and I was only given 1 %. This needs to be better communicated and any accounts converted should have received information regarding the steps to take to ensure they were participating in the right rewards program.

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 2017-11-20
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I want to put a complaint in about XXXX. They called me with an offer to tansfer my high rate cards for a lower interesr rate.Aman describing himself as XXXX XXXX gave me the offer then transferred me to a person who identified himself as XXXX XXXX.I thought it sounded like a good deal, but then they told me it would cost me over $ XXXX.I told them I could n't afford that so they then offered an amount of $ XXXX.I then agreed to take the offer. The next morning I had second thoughts because it sounded like a scam so I called them back and told them I wanted to cancel the offer, but days later I received a check in the amount from my bank charge card account.The money was credited to my bank charge card and they in return sent me a check for $ XXXX.XXXX XXXX  XXXX is the company my bank charge card comes from. I spent hours and hours at my bank trying to figure out where to send the money to whomever it came from, but XXXX would not take it.I 've spoken many times to XXXX trying to find out whose money it was. They wanted to know how much it was but I refused to tell them because I di n't trust them.I now get statements from XXXX saying I owe them the money but it was not my right spelled name on the statement and it was an account number I do n't have.They said they would continue to bill me until I payed them {$4000.00}. They have the account number ending in XXXX which I do n't have.Please help me! I dont know what to do!..

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 2019-05-08
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phoenix Financial Services & XXXX has sent me multiple false bills detailing a fake emergency room visit and debt from that visit. They claim I owe a debt to a fake doctors group called XXXX XXXX XXXX and call me incessantly and send bills saying it will go on my credit. I have called XXXX XXXX Hospital Emergency room billing and they called this company and was asked to stop sending me bills. 
The company is still claiming I owe a bill but the hospital says there is no record of outstanding unpaid medical fee. This is a really aggressive hoax and its all over the internet that they have tried to scam others this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bought a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Terms were very high but I was in need of a car that ran. Well 22 days after purchase the timing belt broke and they towed it to their mechanic at XXXX XXXX in XXXX WA. Three weeks later I get my cruiser back and the AC was broken, overheated like crazy and had silver flakes in the radiator! I called XXXX and spoke to XXXX. She said to bring it back in. They offered me another car to trade out the Cruiser and took my contract and put it in the shredding box. So I have this XXXX XXXX XXXX and it starts to overheat and engine is loud so two days later I called and told them Im returning the Van and done with their company ect. Got a refund {$1200.00} back and thought I was done. Weeks later my credit report says I still owe money XXXX and account is still OPEN for the XXXX XXXX! The XXXX XXXX  isn't on my credit reports at all. XXXX said I had to write a letter to XXXX to dispute the credit report. I've been trying to call their corporate office for months and not one person has returned my calls. Im trying to finance another car and my terms are toi high because it looks like I still have that XXXX! I need to have that XXXX XXXX  off my credit reports! This is unfair. They say I voluntary repossed the car and I defaulted on a security agreement. They never said anything to me when I turned the keys in at all. This is fraudulent.

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: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a account listed on my report for XXXX  XXXX for the amount of . I have advised Experian that this account isnt mine and disputed the incorrect account. Experian has verified this account as mine after I asked for validation of this collection that they are falsely reporting. I have never associated with this company. I will be forced to get my legal time involved if this matter isnt taken care of 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 2018-05-24
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:
I submitted a fraud report to the three credit bureaus, XXXX, Equifax and XXXX. There were several items on my credit report that does not belong to me. Mostnofnthe items were removed, but some have been added back to my credit reports. No written explanation was provided to me, prior to adding them back, which is a violation. 
The information is as follows : XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) AND XXXX XXXXXXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: Experian Information Solutions 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:
I submitted a fraud report the the three credit bureaus, Experian, XXXX   and XXXX. 
There were several items on my credit report that does not belong to me. Most of the items were removed, but some have been added back to my credit reports. 
No written explanation was provided to me, prior to adding them back, which is a violation. 
The information is as follows : 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 non-monetary relief
Consumer complaint received 2021-08-06
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently paid off my mortgage with Wells Fargo. It was paid in full on XXXX for a total of {$370000.00}. I mainly did this to get a better rate and to leverage my equity and get away form paying Mortgage Protection Insurance. Well on XXXX I was charged a double payment of Mortgage Protection for a total {$480.00}. My typical monthly payment for MPI was {$240.00}. Needless to say I am very disapointed. I called Wells Fargo and they said it was some sort of weird rule that current and next month MPI is paid out when loans are paid off. Do I have a leg to stand on? Seems like a greedy move and it is not protecting any mortgage as it was paid off.

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 2016-01-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear Credit Bureaus : My wallet was stolen out of my car back in XXXX, 2015 and it had my social security card, driver 's license, and all of my credit cards. As a result, I filed a police report that is attach to this letter, with a copy of my driver 's license and bill for my current address which validates my address. My credit cards were closed and new ones had to be issue because the thief used my credit cards and occurred debt without my knowledge. Today as I was reviewing my credit report, I noticed that I have a collections account on my credit report from XXXX XXXX XXXX that does not belong to me.

Company response to consumer: Closed with explanation