BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I applied with XXXX  XXXX of XXXX California for a loan of {$170000.00} at an annual interest rate of 2-7/8 % to refinance my existing home loan and fold in an existing Home Equity Line of Credit. During the processing of the loan the loan officer, Mr XXXX XXXX, overstated my outstanding debts and understated my income. Specifically, he included as a debt an annual one-time XXXX XXXX membership fee of {$95.00} as a monthly debt, manufactured a mandatory monthly homeowner association fee of {$60.00} per month ( there is none ) without consulting me, inflated a small credit card debt of {$74.00} to be a monthly debt and used a gas credit card debt which is paid monthly as other debt. 

With regard to income, he listed on XXXX XXXX  form 1003 income from a commercial building I own ( with partners ) as a residential 2-4 unit  building and a separate condo I own as another residential 2-4 plex. As reported on my XXXX federal tax return my total XXXX income was {$3400.00} per month while Mr XXXX listed it as {$2200.00} per month, a discount of over 33 %. In addition, Mr XXXX refused to include my federal Required Minimum Disbursement from my IRA, saying it wasn't appropriate. For XXXX this is {$8300.00}. As a result of these shenanigans Mr XXXX increased my interest rate by 1/4 % to 3-1/8 %. He also required that a car loan of {$3400.00} ( at 0.9 % annual interest with only 16 months to go ) be paid off. He then raised the loan amount to {$170000.00}. 

Unfortunately I never had a chance to review the loan application before closing. Loan documents were drawn three times by the escrow company, with the first two times having the name of the borrower ( me ) incorrect. These documents were returned to the escrow company without a review. The third time the mobile notary public was pressed for time and hurried me through the signing, not giving me a chance to review the documents. I only discovered these discrepancies later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: General Motors Financial Company, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I provided a one time consent to pull credit on XX/XX/XXXX to GM Financial. The vehicle was delivered to the primary buyer on XX/XX/XXXX with no problems and the account opened on my credit. 

In XXXX the primary buyer was told that a minimum of 3 references were now required. The buyer was forced to do so under void of contract despite already having possession of the automobile with an open account and another credit inquiry was generated. 

The account was opened on XX/XX/XXXX with the primary buyer taking possession and no need for any further credit inquiries were warranted. The unauthorized inquiry on XX/XX/XXXX is self evident as an unauthorized inquiry since the account was open. 

The sales person who can attest to the single credit pull and sale completion on XX/XX/XXXX is XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company lie at every turn. 
I took out this loan at the beginning of XXXX. I was told it was every two weeks. On  fridays. The payments were never taken. They would tske " membership fees '' and not the loan fee which makes no sense. 
Ive called on several occasions with no solutions. I was told memeber ship fee was XXXX but they actually take XXXX. Never on time. causing my account to overdraw. I asked them to stop membership fee and just tske loan amount. It was never done, they have compromised my bank account causing it to overdraw several times. My bank is now involved to stop the ach draft. 
I want to pay loan off by mail never any response. Emailed seversl time for correct address so it csn be recieved and i can close my account. 
This company is predatory loans. The amount is like 120 % interest by claimingthese membership fees outrageous. Please investigate them not just my account but the others they have scammed

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 2021-06-30
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had sent out a 609 letter to the company to dispute these incorrect accounts however it has taken longer than 30 days to receive a response.

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 2018-02-14
Company: Drew Eckl & Farnham, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am a former employee that has some very serious concerns about the Collection practices of this agency. I have 20 years experience in the Collections Industry and have witnessed and verbalized to Partners of the firm what I have noticed and nothing was done. The employees that make repeated violations such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX are still employed. This firm does not have proper management, trainer or training, rules, compliance officer, quality, and guidelines in place in writing to protect employees and the consumers of there clients XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. There Human Resources department seems not to know who is a Collector or Legal Assistant which shows they don't know what is going on or care to know. 

I have witnessed employees use verbal legal threats to consumers that will not be sued. 
Speak with 3rd parties without proper authorization and giving out debt information. 
Speak with consumers that have attorneys retained but collected money and communicated with the consumer. 
Call consumers out of time there zones because to calling out restrictions in place. 
Not stating calls are recorded from the beginning or stating the Mini Miranda at all. 
Suing and sending notices to accounts that are outside the statue of limitations. 
Consumers not getting initial demand notices because of returned mail and accounts addresses not being properly updated. 

Just to name a few violations and they have only been doing Collections practices for about 4 years now and they really need to get it together asap or they may be sued and not to mention stop discriminating against employees with XXXX  XXXX with no disciplinary actions and good quality calls and immediately fire them such as me. This firing almost caused me to kill myself and keeps me up all night but I have faith and trust in XXXX and the Truth must be told and I will fight for my rights and the rights of the consumers. Please look into this matter today!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
-There are two users on my Chase checking account with ATM cards. 
-One of the users had a fraud alert that caused Chase to replace their ATM card at the end of XXXX. During that call, the user of the account requested whether we should proactively close their other user 's card to avoid a fraudulent charges there. The bank said that was not necessary. 
-During the week of XXXX, the other ATM card in question wound up also being compromised and a series of {$100.00} withdrawals was taken over several days to a total of ~ {$950.00} in Florida , a state I was not physically in. On XX/XX/XXXX I saw the fraudulent withdrawals upon logging into Chase and notified them of the fraud. 
-Likewise these ATM cards include a chip, so I'm unsure of how that technology protects me if this can happen. I had the physical cards. 
-On XX/XX/XXXX Chase denied the claim because they showed activity of me logging into the account during the withdrawal period and claimed I was aware. I had not logged into the interface and was not aware of the withdrawals. 
-The dispute is that based on the login information Chase shared we were able to identify that it the logins were due to automated budget software logging in and therefore I was not aware of the withdrawals. 
-Chase claims that as a result I am liable while I believe this should fall under Chase 's claim of {$0.00} fraud liability. 
-They have claimed they would re-review the case but have been unwilling to take into the account the specifics of this case. 
-They also refuse to acknowledge that if the customer rep had agreed to take the steps we suggested and replace both cards this wouldn't have happened. 
-I am now left holding the bag for {$1000.00} that was taken from Chase because their fraud systems were insufficient.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my property tax ( {$4200.00} ) to the XXXX XXXX XXXX Collector directly early XX/XX/2018, ahead of the scheduled payment from my escrow account. I informed Citimortgage and gave them a copy the check and the XXXX payment notice. I was assured that I will get that amount refunded. I received a check dated XX/XX/2018 for the amount of {$3800.00}. I called Citimortgage and was told that the amount was based on their calculations for this year 's escrow and their estimated tax will be higher and my monthly would be lower. I fully understand and expected the increase in Taxes and my monthly dues, but using my money in advance for this mortgage company to use is totally unfair to borrowers.

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 2018-02-14
Company: ORG GC GP Buyer, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted this company in regards to an account that was reported to my credit. I have never received notification of this debt to my address. I confirmed my address at which I have lived for over 4 years. I have no knowledge of this account and I called this company to request the validation of the debt so that I may file a police report for fraud. I was told they could not provide the validation and that I would need to file a fraud claim without any information. I explained to the representative and a manager that I was never notified of this debt and I am disputing the validity of the debt under the written law. I requested this company to remove the erroneous illegal derogatory error from my credit report until the validation that I owe this bill could be provided and I was told that it would not be done. This is illegal to not notify a consumer of a debt. I understand my rights and all I am asking is this debt be proven to be mine. This company is refusing to prove I owe and stating I have to prove I don't owe. How can I dispute a bill I have no knowledge of? I am going to pursue legal action for my rights being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Sortis Financial, Inc.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back on XX/XX/2010 I found a house in XXXX Ohio XXXX with a for rent sign in the window. I called the number XXXX and a guy answered by the name of XXXX XXXX and advised me he was with XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX  and that I could obtain the property if I could fix the home to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX and I paid XXXX for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of OHIO as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to clear spring loan servicing aka sortis financial so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is clear spring loan aka sortis financial they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the OHIO HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of Ohio, I have no rights to obtain anything on this property. This is fraudulent I have contacted an attorney who told me to move and walk away. But its reported to my credit report as if I had a mortgage. I been in contact with SORTIS FINANCIAL AKA CLEARSPRING LOAN and they will not remove this from my CREDIT REPORT they just keep giving a explanation its close as transfer to another lender who has not reported to my credit report. I keep disputing this with the credit bureau and only XXXX has removed the remark. XXXX and XXXX will not remove this remark. Please advised me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: EQUIFAX, INC.
State: TX
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:
I live in XXXX, TX and was impacted by Hurricane Harvey in XX/XX/XXXX. 
On XX/XX/XXXX i entered into a Federally Declared Disaster temporary forebearance agreement with my mortgage company ( XXXX XXXX XXXXXXXX XXXX ) due to my wife being unemployed due to her place of employment being destroyed in hurricane harvey, i also was out of work for 1 month due to clean up efforts at my home. The terms of the temporary forbearance agreement were as follows : -monthly payment was suspended between XX/XX/XXXX and XX/XX/XXXX -XXXX would continue to accept payments if i was financially able to do so -XXXX would not assess late charges to my account during this period -During the term of the agreement XXXX would suspend all credit reporting -Upon the expiration of the temporary forbearance agreement my payments would increase to reflect any unpaid monthly payments. 

I was unable to make a mortgage payment for XX/XX/XXXX, as per the FDD forebearance agreement XXXX should have suspended all credit reporting. However, in breach of my temporary forbearance agreement with XXXX, on XX/XX/XXXX XXXX reported to Equifax the my account was " Not more than 2 payments past due ''. 
I was thankfully able to make my regular mortgage payment of {$1000.00} on XX/XX/XXXX. XXXX once again ignored the FDD forebearance agreement and on XX/XX/XXXX they reported my account as " 30 days past due ''. Their explanation for this was that they mistakenly applied my XX/XX/XXXX payment to the unpaid amount from XX/XX/XXXX, even though the agreement states that no payment is due until after the expiration of the agreement. 
On XX/XX/XXXX XXXX once again breached the agreement by reporting to Equifax that my mortgage account was " Paying under a partial or modified paying agreement '', which impacted my credit negatively. 
On XX/XX/XXXX i made a double payment {$2000.00} to bring my mortgage account current. I also requested to be removed from the temporary forebearance agreement. I also voiced my concerns over the erroneous credit reports but as of this date XXXX has made no effort to fix the problem. 
XXXX also refuses to release a {$25000.00} insurance claim check from my flood claim so that i can pay for repairs on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Windham Professionals, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had called my health XXXX XXXX XXXX to make sure I could use The XXXX XXXX XXXX XXXX XXXX. I called to make sure I was covered and my co pay was maximum savings. I was told by the XXXX representative that I was covered and my co pay would be {$20.00} per XXXX XXXX visit. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX New Jersey XXXX XXXX XXXX XXXX on XX/XX/XXXX by XXXX XXXX XXXX. 
These are the dates of each XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and last visit XX/XX/XXXX. 
At each of these XXXX XXXX  visits I paid a {$20.00} co pay which was requested for me to pay at each XXXX XXXX session at XXXX XXXX which had my XXXX XXXX XXXX in their files. 
Approximately XXXX months after my final XXXX XXXX session I received a {$360.00} bill from the XXXX XXXX in which they claim that my co pay should have been {$50.00} per XXXX XXXX session. After one written appeal and one telephone verbal appeal to " XXXX '' from XXXX were denied. 
These appeals were to XXXX because after speaking on XXXX separate occasions to The XXXX XXXX XXXX department " XXXX '' on XX/XX/XXXX and XX/XX/XXXX and " XXXX '' on XX/XX/XXXX they stated that I was being " Billed Out of Network '' and that according to my insurance I was a " XXXX XXXX  In Network '' customer of XXXX and my co pay would be {$20.00}. 
XXXX refused to pay XXXX  XXXX XXXX the extra {$30.00} per XXXX XXXX session and now XXXX  XXXX XXXX sent me to the XXXX Wyndham Professionals, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX billing collection agency and I received the bill dated XX/XX/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 2020-01-27
Company: Credit Technologies, 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:
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have not received a response after 30 days of filing a dispute

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 2020-07-11
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-07-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have had an SSN number and a credit card/cards for a year and 9 months now. XXXX  and XXXX have updated my credit score. Yet Equifax hasn't updated my score at all! I applied for an Auto Loan to buy a car immediately as I had moved to a different state. To my shock, they told me that my Equifax score was null and gave me an extremely high interest rate. When I called Equifax earlier today, the first guy said nothing can be done and hung up. When I called a second time, they said I had to mail copies of all my documents such as my SSN, passport, credit card statements or whatever to some address and wait for them to change it and just hung up on me. This is just pathetic and its costing me hundreds of dollars to commute to work. I just moved from XXXX to XXXX and this is my most unpleasant experience in the US. I guess this is expected from a organization which only last year, got hacked and exposed its customer 's confidential details to criminals. Thanks a lot for ruining my week Equifax!

Company response to consumer: Closed with explanation