BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: Movement Mortgage LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are first time buyers. We had many many questions. Every time we asked her to explain something she seemed very irritated over the phone or would respond in a snarky type of attitude. She was very pushy. We 'd ask her to run figures and she would tell us not to worry we can afford it even if we told her no we could n't she would insist we could. Her calculations were constantly changing because she 's forget to change something. She would go ahead and order items such as a condo questionnaire that they charged me for even though we had decided to cancel that sale due to the inspection findings. Her reasoning was because she wanted to get ahead and order it asap because it takes a long time. They charged me without my knowledge. I had signed a document allowing for payments if applicable. I was n't aware the condo questionnaire would still be applicable considering we had cancelled the sale. We communicated regarding the pending charge that did ultimately get processed XX/XX/XXXX, 2017 for {$210.00} and she said she would refund me at the end of escrow. She had put the appraisal on hold since we cancelled. I said I did n't understand why we would still be charged for something we did n't authorize to be ordered, especially since canceling would n't make it " applicable ''. I tried getting information but se seemed affronted. I tried asking her about it via email and she ignored my email. We are now with another lending agency and our agency required information from them of which they refuse to provide because they said it belongs to the property. Since we are no longer clients of theirs they refuse to assist us in anyway even if they have failed to complete a job on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-12-29
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was sent via XXXX a letter from BLitt and Gaines for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for Blitt and Gaines stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called Blitt and Gaines and the rep stated to be as of XXXX XXXX their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at Blitt and Gaines I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. XXXX did n't send me any notification of garnishment until XXXX the day AFTER I went to court. When trying to speak to representative at XXXX I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
I have distute fro XXXX of 2017 that XXXX  refuses to process.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account from XXXX XXXX/ XXXX  account number XXXX which is on my credit report and does not belong to me. I have tried to dispute with the credit bureaus but am not able to dispute online with Experian due to security reasons. XXXX document upload would not allow me to upload documentation. 
The credit bureaus have made it very difficult to correct errors on my report due to technical difficulties with their websites. 

I need to dispute this account as it does not belong to me. I contacted the collection agency responsible and they sent me a notification this would be corrected and I need to ensure it is corrected 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 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My TransUnion account is showing five of my XXXX accounts as delinquent even though I've checked with XXXX and none of my accounts are delinquent. All of my loans have been in deferment/grace period/forbearance because I was in school for the last three years. The dollar amount for each account is as follows : {$2000.00} opened on XX/XX/XXXX ; {$3400.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; and {$52000.00} opened on XX/XX/XXXX. All of this accounts are in good standing with XXXX and they are telling me they will do an inquiry which will take 21 days until the correct report is sent to the credit bureaus. I wanted to refinance my loans but am ineligible for all private loans now because of this issue. It does not seem like it will get resolved until at least a few months and in this time I will be forced to continue to pay the high federal loan interest rates.

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 2022-02-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After filling a complaint against Select Portfolio Servicing on XX/XX/2022, concerning the closure of my escrow account, pertaining to my home taxes and home insurance. And after I complained about receiving my monthly statements late, I was notified on XX/XX/2022 that SPS had caused my credit to drop XXXX points. I have never paid a payment late. SPS is practicing unscrupulous, corrupt behavior. SPS did close my escrow however, now the payment is wrong. It shows principal and interest as {$550.00}, when the correct amount is {$530.00}. What this company is doing is illegal and they are not complying with the law. It is against the law to report lies to the credit bureau out of retaliation. The practices within this company is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: ASTORIA BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a foreclosure date schedule. I called the bank and I requested for a short sale being that my daughter was in hospital at that moment having XXXX. It was so stressful I did n't know what to do so they suggested that I can do a short sale. They send me the short sale documents and told me to complete the paper work and send it to them. Knowing that a foreclosure date was schedule for X/XX/2017 it was never cancelled and when they received the documents they told me that it was foreclosed already and it did n't matter. My daughter is very sick and I can not move at the moment. <P/>I have an XXXX XXXX by the name of XXXX XXXX XXXX banging our door down. My daughter have nurses and doctors coming to my home to help her and I am at work. XXXX XXXX bang our doors every sigle day and requesting to get into the house. XXXX XXXX phone number is XXXX Cell XXXX address is XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. XXXX XXXX is an Asset Management which is an investor and have absolutely no consideration for my daughter illness and our situation. <P/>I had a five year interest only loan and I try to modify three times and first they said my income was insufficient the second time my income was to high Astoria bank never tried to help with the modification and knowing that I was going through so much stress lost my job during that process because my daughter illness they just fine the right time to foreclose without my knowledge and the last was they will consider a short sale. <P/>
The servicing company is a Mortgage company by the of XXXX XXXX XXXX in XXXX XXXX, Illinois. That is the company that did not accept the short Sale waited for the date letting me know that it will postpone and foreclosed. The servicing Company XXXX XXXX told me it was to late the own the property and purchase it for {$100.00}. Last package was sent to XXXXXXXXXXXX Phone # XXXX Fax # XXXX toll free # XXXX Right now XXXX XXXX XXXX XXXX XXXX requested for my phone number in an aggressive way and my daughter with the home attendant did n't know what to do. My daughter XXXX XXXX XXXX and she under XXXX XXXX she had XXXX XXXX and right now she can not go through any stress. <P/>Can you please let me know what should I do. I just do n't know what to do. My information XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX e-mail # XXXX XXXX XXXX Loan #

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: EQUIFAX, INC.
State: NY
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:
My XXXX  account is showing five of my XXXX   accounts as delinquent even though I've checked with XXXX and none of my accounts are delinquent. All of my loans have been in deferment/grace period/forbearance   because I was in school for the last three years. The dollar amount for each account is as follows : {$2000.00} opened on XX/XX/XXXX ; {$3400.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; and {$52000.00} opened on XX/XX/XXXX. All of this accounts are in good standing with XXXX and they are telling me they will do an inquiry which will take 21 days until the correct report is sent to the credit bureaus. I wanted to refinance my loans but am ineligible for all private loans now because of this issue. It does not seem like it will get resolved until at least a few months and in this time I will be forced to continue to pay the high federal loan interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Revenue Enterprises, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collections letter regarding alleged debt, no verification / substantion of debt provided despite repeated attempts to verify debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: BANK OF THE WEST
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a checking account with Bank of the West New Account Promotions of {$250.00} bonus. It has been over 5 months and I have fulfilled all the requirements. I still have not received the bonus. I have contacted bank of the west numerous times and was once put on a 5 hour wait.

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 2017-12-29
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I re-applied for my XXXX plan this year. After being denied ( because I applied " too early '' despite being prompted to re-apply ) then accepted after applying again ( after another 2 months of waiting for a response ) I was given my new calculated monthly payment of {$520.00} that was due to begin on XX/XX/XXXX. I changed my direct deposit amount accordingly and have made payments since then. 
Now, my monthly payment ( starting in XX/XX/XXXX ) has inexplicably dropped to {$110.00}. While I would love to be paying less for my loans, it was odd to me that this changed in the middle of the payment year. 
I called XXXX in XX/XX/XXXX to discuss this issue once I inadvertently discovered it. They were unable to explain why this happened, except to tell me that I have been overpaying my account. Obviously I am confused by this answer because I have been paying the exact amount they told me to pay. This amounts to consumer fraud given that they either over calculated my payment or are now attempting to trick me into paying less now in order to gain more interest in the future. 
In addition, I have concerns regarding the tracking of the PSLF program. I have only 14 months of qualifying payments recorded in my account, despite 36 months of enrollment and payments. I also called XXXX to discuss this. They informed me that 9 months were not added in by mistake despite an application and payments on file. XXXX informed me they would submit this for review and I would receive an answer in 60 days. There is no form or letter in my account to verify that this review is in fact occurring. Finally, they told me that 2 months in XXXX ( XXXX and XXXX I believe ) I am listed as being in deferment/forbearance. I have a record of payments for those months and I never submitted paperwork requesting that status or was informed of it. They refuse to count those 2 months of payments towards my PSLF. If you 're keeping track, that still leaves 11 months of payments not counted towards my PSLF despite FedLoans confirming they have paperwork on file. The only explanation I received was that they were " behind '' in tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Experian Information Solutions Inc.
State: ME
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:
We had a XXXX with XXXX XXXX XXXX from XXXX to XXXX, when they charged off the account after only 2 months late. ( we had never been late before ) We closed the account in XXXX and since we were struggling due to the recession, we were unable to make payments. XXXX XXXX filed in court against us. It took until XXXX to get to court and we settled on an amount with no fault on either side. ( we did not agree with the amount they were reporting ). We paid XXXX XXXX XXXX the agreed amount. They have been recording on our Credit Report, inconstant and incorrect information for many years. Although the reporting seems to be gone on XXXX and XXXX, it has now reappeared on Experian and it is showing as a charge off in XX/XX/XXXX! We are unable to dispute with Experian, because we have disputed this account in the past. We called and spoke with the collections dept at XXXX XXXX XXXX and they claim it is being reported CORRECTLY! It has been almost 9 years since the charge off in XX/XX/XXXX, and almost 10 years since the first late payment. All our other creditors worked with us through the recession and we did not fail to pay any of them. XXXX would not work with us. They rushed to Charge Off a 20+ year old account that had never been late and now almost 10 years later they are still hurting our credit and they are not willing to help get this resolved. This account should have been removed after 7 years from the first late payment, yet we are still having to deal with this.Please help.

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 2017-07-11
Company: ERC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was awakened early this morning, around  7 a m by a representative of ERC Collections. It was an attempt to collect a dept for my father in law who has recently passed away. They have already called my wife previously and been told to cease and desist. My phone number has never been listed on any of his medical documents. The company in question has gone through the extent of doing a background check on my mother in law to find any phone records with numbers associated with her name. That is how they obtained my number. I have since informed them to cease and desist their activities or else I will be taking further legal action. I also asked for their   XXXX   XXXX   business license number to solicit calls for debt collection and they refused to provide me with a valid license number. This company is based in  XXXX  Florida When I asked them for proof of the original debt in writing they could not do that either. They do not possess licensing fo  XXXX   XXXX    XXXX .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Home Loan Center, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan online on about XX/XX/28. I received a phone call the man said he was with lending tree and my loan had been approved. He had my information and wanted to verify it. Then he said the loan manager would call within 30 mins to let me know when the funds would be transferred to my bank account. I never got a call. I called back the next day and I ask this same man I talked to if they deposited to XXXX XXXX. He put me on hold said to check he came back and said yes dont worry about it they deposited to my bank. He kept saying don't worry about it. He transferred me to another man the loan manager who said it would be transferred and they did work with my XXXX XXXX and the 1st man would call me to let me know when to expect it. He sent a code to my email he said to verify it and I had to give him the code I got. Never got a call telling me when to expect funding. I called him back and had to leave message. The voice mail was generic and didn't say lending tree so I begin to worry because they have all my info. Name address social email bank account. I didn't get a call back. On XXXX I called back and was told they don't do business with my bank and they would not mail a check. If I needed funds I must go open an account at a different bank. These people lied to me and have all my info. They said they could not tell me why they don't do business with my bank and refused to mail a valid check for XXXX as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX / XXXX / 2017  I made purchases over the weekend that had been deducted from my account but was on hold however the purchases had shown deduction from my balance now  Citizens  bank is saying it did not reflect on my balance when in fact it did and they are charging me with  XXXX  different overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/XXXX I was under the impression I was entering into a consumer credit transaction for a used XXXX XXXX XXXX with XXXX XXXX. A few weeks later I began to receive emails from Bridgecrest Corp requiring all documentation and communication be done by email only and demanding I pay an alleged car loan. I began receiving harassing calls and emails. Bridgecrest stole my personal information and began reporting false information to the consumer reporting agencies. I sent validation of debt documents in XX/XX/XXXX with no other response but to pay the alleged debt. They have harassed me as well as had multiple repossessions occur within the last year. I have kept record of the identity theft as well as the violations according to XXXX XXXX XXXX and am now demanding my restitution.

Company response to consumer: Closed with explanation