BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-09
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were denied a loan modification due to NPV. XXXX stated that a computer generated or BPO appraised our home value at {$630000.00}. However, due to the distress of the property, we obtained a state certified appraisal at a value of {$450000.00}. We spoke to a representative during a recorded conversation of the following : 1 ) a certified appraisal would take precedence over a BPO, and would positively impact our ability to qualify for a loan modification. 
2 ) do to not make any attempt to resolve financial reinstatement until the appraisal could be reviewed, although the auction date had been set for XX/XX/19. 
3 ) we were told we had up until at least the day before the auction to financially secure reinstatement, and to wait for the appraisal to be reviewed before sending money as the representative felt the certified appraisal would warrant further qualification, yet the mortgage company would continue to " dual track '' the process. 
4 ) we were assured follow-up, but have received no information. 
5 ) return phone calls were promised, and non have been received, even after leaving several messages, sending several emails and faxes. 
6 ) erroneous extensions were provided causing our phone calls to be rerouted through an automated system and the dropping the call. 

The actions demonstrated by XXXX and PHH are indicative of an attempt to 1 ) dual track the loan modification process 2 ) manipulate response delays by providing inaccurate statements that, due to missing information, no action could be taken 3 ) provide false statements, for example we were told that an appraisal would be completed to dispute XXXX computer generated property value ; however, the appraisal was completed as a BPO, and not a certified appraisal. 

In lieu of the overwhelming circumstances, including the significant lack of XXXX and PHHs competence to conduct appropriate due diligence in the handling of our account, we would respectfully request that the foreclosure date be temporarily suspended until all measures are properly addressed and all pertinent information and data has received a comprehensive evaluation. 

The blatant mishandling of our loan modification application, including the erroneous and misrepresented statements by XXXX and PHHs representatives handling the process, should warrant an oversight to review the process and misrepresented conduct surrounding our application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: AZ
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:
improper investigation methods used are resulting in extortion on debts beyond statute being pushed into files, XXXX is refusing to staff company and recieve reports. EXPERIAN is flat out refusing to comply with the law. BOTH NEED TO BE SERVED IMMEADIATELY, as does XXXX, XXXX, and several other ID verification landlord used systems. They buy and resell old and inaccurate data and refuse to remove any of it. This includes inaccurate public records.

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 2017-11-18
Company: JPMORGAN CHASE & CO.
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: Report provided to employer without your written authorization

Complaint:
I have a hard inquiry on my report from XXXX on XX/2015 that I do not recognize nor did I authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

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 2016-02-10
Company: PHH Mortgage Services Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with Caldwell banker mortgage also known as p h h mortgage. We were to get a cash for keys from them in XXXX XXXX but instead they did a foreclosure. They still gave us funds to vacate the house on XXXX/XXXX/XXXX but was done improperly. With this we were involved with a class action lawsuit against them and in XXXX XXXX they settled with us by sending a check for {$4000.00} as settled with the state of new jersey for the wronged consumers. My problem is that we are trying to refinance our current mortgage but cant do so due to the fact that the loan/mortgage is still showing up as a foreclosure and not a cash for keys as it was to be done originally. Is there anything that can be done to correct this issue??? 

loan number was XXXX address was XXXX XXXX XXXX XXXX XXXX AZ XXXX thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: American Financial Resources, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have already put in XXXX complaint regarding this company. They reneged on the interest rate lock period. However in communicating with XXXX XXXX, he sent me the following information about the procedure of setting up the loan and getting an appraisal. As you can see, XXXX states that '' we lock the rate for 45 days. Once we receive your documentation that is when we move forward with the appraisal and ultimately bring the loan to closing. " XXXX, I followed XXXX 's instuction and had the appraisal done. However, all of my information was not submitted before the appraisal. I paid, I believe {$420.00} for the appraisal and yet, my XX/XX/XXXX tax returns were not turned into XXXX. I actually did not get my XX/XX/XXXX tax returns until XX/XX/XXXX The directions were not followed. XXXX XXXX then rescinded my 45 day interest rate lock and I lost my money and the ability to get the loan that I wanted. I sent XXXX an email telling him that the proper timing for the appriasal was not followed, but I have n't heard anything from him regarding a return of my appraisal costs. The email to XXXX is as follows. 

Obviously, if you do n't have my XX/XX/XXXX tax return, the appraisal was done prematurely. 
From the start, I told you that I did not have my XX/XX/XXXX tax return and you told me that the deadline extension would suffice. I sent that in to you. You didn '' t tell me that you needed my XX/XX/XXXX tax return until almost the end of my first interest rate lock. 

XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: PROVIDENT FUNDING ASSOCIATES
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Provident funding is the servicer. They have lied, cheated and used unethical practices when it comes to dealing with us. 

In XX/XX/XXXX our home sustained {$43000.00} in hurricane irma damages. The insurance company, XXXX XXXX would not repair the home or allow us the insurance money we needed. So, we hired an attorney and fought for all this time for insurance coverage. During this time, we paid, out of our own pockets, over {$18000.00} in repairs to assure the worst damages - windows, roof, doors, etc, were repaired to maintain the structure pf the house and maintain its viability so we could stay in it. Finally, a month ago, we were offered a " reimbursment '' for the damages we have paid for. I contacted Provident and followed their instructions - send them the damage report and ALL paid invoices from the construction professionals we used for the repairs. On XX/XX/XXXX I did that. I uploaded over 30 pages of documentation along with a financial breakdown of who did what and what we paid them. ALL invoices were noted " hurricane Irma '' and " paid in full '' by the vendors to assure we had proof of the repairs. Now Provident has said that is not good enough and they want " cancelled checks '' dating back 2 years because ( their words from someone named XXXX ) I could be lying to them. I even offered to send the pictures of the repaired home ( they have damage pictures ) and they don't want that proof. I am unable to scan 2 or 3 different payment venues for 2 year old payments and I do not get " bank statements '' with cancelled checks. NOW they are asking for a lien waiver or a " XXXX invoice '' to prove that this is a REIMBURSEMENT. The work is done and we have borrowed and worked our butts off to see that it has been done. We are a senior household and a veteran household and I resent being called a liar and having my ethics questioned, not to mention I am still not reimbursed ( I have the check..they want me to sign it and send it and I don't trust them to do the right thing ) for the thousands of dollars and 2 years of fighting we have undergone. Please help, XXXX XXXX has refused to assist and the CEO of Provident isnt returning my calls. We are fighting for our lives ... and Provident is trying to destroy us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX reported my account late to the credit bureaus, i mailed them a check and they have not cashed it but still reported me late.

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 2017-11-19
Company: EQUIFAX, INC.
State: SC
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 participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement XXXX and XXXX list the name as XXXX/XXXX and Equifax list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I opened a Comenity Bank Burkes card. My house burned down, XXXX XXXX XXXX, XXXX, KY XXXX. I lost everything except my life. Once I got going again, the Burkes card had gone into a charge-off. I tried to fix this issue. I made {$100.00} payment XX/XX/XXXX to begin paying it off. It was sold to XXXX XXXX XX/XX/XXXX and the {$100.00} payment was not applied to the balance. Comenity Bank sold an inaccurate balance amount and I believe this is a FCRA & FCBA violation, reporting and verifying inaccurate information. 

I mailed a validation letter to Comenity Bank, no reply. I believe this is also a violation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2021. The amount was XXXX. Then i was call back in a couple of weeks to do another loan.I told the person doing my loan i was getting ready for XXXX 1 at the end of XXXX. He told me to get a letter from the Doctor and turn it in. That the XXXX XXXX was pay for the loan until I go back to work. Tower Loan in XXXX Ms. say they said don't want pay because it was a existence problem. But i told them about the XXXX before ni signed the contract. Please Help Me.

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 2017-11-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
An account being reported on my Equifax credit report listed as XXXX XXXX XXXX in the amount of {$5500.00} is not mine/no knowledge of account. In fact, this account was previously disputed and removed when this same account was listed with XXXX, XXXX, XXXX it seems as if accounts just move from one agency to another without any type of clarifications. In fact, the above mentioned agency never sent any type of initial disclosure letter concerning the alleged debt, rather they decided to just place it on credit reports without any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TD BANK US HOLDING COMPANY
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:
The company I work for deals with XXXX XXXX and back in XX/XX/2019. As you know, there was a shut down in the government and no one was getting paid. I notified TD Card services ( TD Bank ) of the situation and that I was in the process of buying a home. I also asked them to please work with me so I would not have 30 days late on my credit report. I have been with them for almost 4 years and has never been 30 days late. I explain the situation to them, they still reported to the credit bureau as late. I as them to please can they remove the one and only time I was late they still said no. Since then the account is paid in full and I have asked for it to be removed from all three credit report. They have not complied. please help me, it is hendering me from optaining a mortage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, my home was approved for a short sale; the sale was completed on XX/XX/XXXX. In XX/XX/XXXX, my credit rating dropped over 100 points because my credit report showed that I had missed two mortgage payments- this, long after the short sale had been completed.I spoke with Bank of America, who said they couldn't correct the error because I was no longer a customer.I filed a complaint with the cfpb and and XX/XX/XXXX was sent a letter from Bank of America stating that they had resolved my issue. The issue has not been resolved because I'm still seeing the negative item on my credit report.

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 2016-09-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FULL DEPOSITION TRANSCRIPT OF XXXX XXXX XXXX XXXX XXXX / XXXX XXXX attached fle fraud assignments in county land record use as prove of standing in county court, bankruptcy court house when its fraud assignments was discovered and challenged, XXXX XXXX move the serivicer to secondary services select portfolio servicing. why are the substitute trustee keep changing when fraud are discovered. there have being over XXXX debt collectors trying to collect on debt using fraud assignments upon fraud discovery the services select portfolio serving keep moving file to another fraud debt collectors to avoid detection of fraud and moves the files to one substitute trustee after another the original trustee wo n't have any part of this process which could produce liability disproportionate to any reward.And what point is the Trustee on the Deed of Trust, whether original or substituted, liable for subsequent misdeeds that amount to fraud? For example, if the original trustee has knowledge ( which all of them do now ) that the substitution is invalid then the original trustee is still the trustee on the deed of trust. Why wo n't they initiate the foreclosure process and fix the problem? Answer : Because they know they are dealing with fraudulent document, instructions and representations. The same rules probably apply to the substituted trustee. 
I think it might be important as it appears to be a widespread practice in the preparation of Appointments of Substitute Trustees by these debt collectors law firm 1. Defunct debt collector law firms of XXXX and " foreclosure mills '' including defunct law firm XXXX, ( file bankruptcy ) aka defunct debt collectors law firm of XXXX, ( file bankruptcy ) the sold to debt collector law firm XXXX, they abruptly shuts down without notice all of these debt collectors who and either shuts down as soon as the evidence of fraud is are being brought to light It concerns the Appointment of Substitute Trustee in my case .As pointed out by XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Got 2nd mortgage with XXXX XXXX in XX/XX/XXXX, amount owed was XXXX, they sold my account to XXXX XXXX  in XX/XX/XXXX after 16 yrs. I finally paid it off in XX/XX/XXXX, when I got the DEED of TRUST amount showing on it was XXXX after paying XXXX per month for 25 yrs. you  would think amount would go down instead of up. Not sure whats going on but I would like to know if any one else is having this same problem with SELECT PORTFOLIA SERVICING, XXXX Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: LEXISNEXIS
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My state tax lien was vacated/expunged by the XXXX, however it is still showing on my XXXX credit report. I sent a certified letter to Equifax on XX/XX/XXXX along with proof of the Expungement requesting that the tax lien be removed from my credit file. On XX/XX/XXXX I received the results of the investigation and XXXX did not delete the tax lien from my credit file. Their response was they verified the information with Lexis Nexis.I contacted Lexis Nexis on XX/XX/XXXX and spoke to a representative who first had a difficult trying to locate the file because she said it was archived. I informed her that the tax lien was expunged and no longer appeared in the XXXX records or the County Register of Deeds records. The representative asked me to send her a copy of the Expungement which I scanned and emailed to her. I received a generic response stating they were currently reviewing my communication. I am at odds with XXXX because it is like pulling teeth to get them to remove inaccurate and damaging information from my credit file. Once they received the Expungement that should have taken care of it, there was nothing to investigate. My credit is suffering due to this and it is making it difficult for me to purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
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've disputed the account XXXX XXXX multiple times and have yet to receive any results or response from the company. I am a identity theft victim this account is not mine and I never authorized this account to be created on my behalf nor did I benefit from this account in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
applied for a refi with Chase Mortgage in XXXX. After submitting documents numerous times and completing all tasks required ... .still not closed after 5 months. We feel we have been singled out for some reason. We presently have a Chase mortgage, never missed a payment and have good credit. No reason was given for delay. 
Charged us {$500.00} for application and then said loan process took too long and our application was rejected. To date have not refunded our {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
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: Account information incorrect

Complaint:
Equifax is showing or added a remark that my mortgage is affected by a natural disaster. However, the account with XXXX XXXX   Servicing is current and in good standing.

Company response to consumer: Closed with explanation