BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: Social Finance, Inc.
State: AZ
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:
There has been an issue with my identity being stolen and certain inquiries that appeared from the situation remain to be reported on my credit. from XX/XX/2020 to XX/XX/2020 those inquiries were placed by an imposter trying to be me. i have filed much paperwork showing inaccurate information with signatures and documents. i need help to clear my name of these acts due to the harsh times of today. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In spring of XXXX, we refinanced using XXXX  and our loan become serviced by The Money Source ( TMS ). No issues at the start. Fast forward to the fall of XXXX when we received our tax bills. We uploaded them into their system as requested. 

Despite us paying into an escrow account as originated in the loan, TMS failed to pay our taxes due on XX/XX/XXXX and XX/XX/XXXX. We noticed the money had not come out of the escrow account in XXXX and call TMS to inquire as to why it had not been paid. 

XX/XX/XXXX : Contacted TMS. Was told by their customer service team that when they set us up in the system, they incorrectly set up the account as a non-escrow account. This was an error on their end that they needed to correct in their system to process the payments. We were told they would call us back within 24 hours. 

XX/XX/XXXX : We did not receive a call back as promised. Called the customer service line again. This time, we were told the exact same thing and also told that no ticket was made to resolve the original setup issue. I ticket was put in at this time and we were told we would receive a call back within 2 days. No call was every received. 

XXXX, XXXX : My husband called back again. He was told that the setup issue was resolved and that if he uploaded our tax documents again, they would be paid immediately. 

XXXX : We received a notification from the county that the taxes has NOT been paid and they were going to place a lien on my house if they were not promptly paid. In addition, they're charging a 5 % late fee. We called TMS again. We were told that the system error has NOT been resolved and that needed to happen before taxes would be paid. We explained the situation at length. Spoke with both customer service ( twice ) and the tax department. Not only could the not resolve the issue, they didn't have anyone to escalate it. Once again, I was told they would call us back the next day. I told them that at this time, that was not an acceptable answer ... this needed to be resolved TODAY. This was an issue/error on their part and we, as the consumer, should not be responsible for their inability to do their job as our loan servicer. Despite this, I was left on hold by the tax department for 30 minutes when I was eventually hung up on. 

XX/XX/XXXX : At this point, we have exhausted all avenues of support available to us via TMS and their support line. We are not sure as to resolve this issue. The money is available in the account and payment needs to be issues immediately. We will be looking into legal action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX called mortgage company I am out of work due to covid and coverage under cares act mortgage company is playing game called 6 times every time told it was fixed called yesterday collection department and XXXX said from mortgage company alot of people dealing with same issues as me I called fha for help called hud last week called me but I am scared losing my home all people at mortgage company say same thing it will be fixed and nothing happens i am at my end of line need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Global Lending Services LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ON XX/XX/2021 THERE WAS AN INQUIRY ON MY REPORT I DID NOT RECOGNIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Ashton & Weinberg, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX called from Ashton & Weinberg claiming they were attorneys and collecting on behalf of XXXX XXXX in XXXX. MA. Although I was polite and professional and explained as I did to XXXX XXXX that we were going through a difficult time and had all intentions to pay The {$1000.00} dollars that couldn't at this time. XXXX then went on to call me scumb bag and low life when I told him I was uncomfortable giving him my debt card number. I told him I didn't appreciate his attitude he continued to call me scumb bag I told him I would be calling XXXX XXXX and that I couldn't believe that they would hire a firm like his. He said go ahead call them and I will see you in court. I have recordings of Voice mail threatening legal action and further unprofessional demeanor and harassment from him. Three week ago my business account and personal checking account were hacked and cleaned out the case is being investigated by XXXX XXXX Fraud Department. New accounts have been issued and we are very careful of giving account info out over the phone at this time. The issue with regard to amount owed will be dealt with XXXX XXXX directly and we will not communicate with this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There's two compliants I would like to submit in one. 

The first compliant is that on XX/XX/2021, or XX/XX/2021, I purchased a ticket through XXXX to see a XXXX show in XXXX, XXXX XXXX XXXX XXXX XX/XX/2021. When I arrived to the theater at XXXXXXXX XXXX EST, two XXXX  Employees, XXXX and XXXX, see images, said to me the show was cancelled. I asked them if I could go another day. They said, " No, there's no more shows for the rest of the season. See this calendar. That's it. '' I didn't believe the guys at all. I perceived they were mistreating me/discriminating against me due to someone else 's request. 
So, I left the lobby, not the premise. Logged into XXXX  wifi, and filed a FTC.gov compliant on XXXX. Reference # XXXX. Later I emailed my bank at XXXX. Then I notified XXXX discrimination department because I flew in to NY on XX/XX/2021, via XXXX, Flight XXXX, with advance " purchased '' tickets. And I was discriminated by the XXXX XXXX XXXX XXXX XXXX ) from even showing up. They cancelled the show via email and typed REFUNDED immediately on XXXX. By XXXX, my refund was in the bank ; but that's not the case here. Here, I have not received a call from XXXX or XXXX XXXX. Now, when I log into my XXXX account, the word Can't has been REMOVED. Also, someone has changed the date on my Extended Stay XXXX XXXX ledger transaction from XXXX to XXXX. Why? 
It seems my TD Bank account, # XXXX, is getting tampered by someone and duplicated so that I don't see my refund. It's my account. It's a personal checking, and I don't appreciate someone trying to take over it. 
Everything I have purchased is with my self earned income. So, I don't understand why out of the blue " someone '' wants my account with the refund of {$97.00}. Why do they want my account and refund? And why is XXXX delaying the refund? The pictures speaks for itself. I paid airfare, hotel, and a ticket, XXXX XXXX XXXX XXXX NOT to be DENIED at the entrance. AND I was DENIED the ability to watch the XXXX show. To make matters worse, these adults don't stop picking on me in the midnight hours. That's out of my control. 
In conclusion, I am NOT the one initiating this REFUND. I am the one who was lied to at the entrance; Told XXXX would be refunding the money ; and that seems to be taking forever. Therefore, I'm submitting this compliant. I don't think they have any inclinations in ensuring I receive my refund. Nor have they type Refund anywhere. So, can you please have TD bank fix my account. It's mine, XXXX XXXX XXXX ; not XXXX 's, XXXX, or XXXX. Nor do I have to " share '' my ledger and activity with those people. 
Again, please have the online account fixed. 

Please close all duplicated accounts and ensure I receive my refund of {$97.00}. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calls too numerous to list over the span of months from Harris & Harris Ltd. in XXXX, a debt collection agency. I have returned the call on several occasions ( out of frustration ) and established with them that their efforts are directed toward the wrong party. I gave name, address and birth date. Each agent that I spoke with assured me of an identity error on their part and that my number would be removed from their list. ( The last agent that I spoke with was Ms . XXXX. ) All to no avail. The calls continue at a pace of every 3 or 4 days. I was told that they are collecting fees for a City of XXXX XXXX delinquent parking ticket associated with a car that I have never owned and registered to an address where I have never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: MA
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:
Experian does not follow FCRA LAWS at all this company doesnt not respect consumer rights or allow you to enforce your rights. The customer service will laugh at you when you let them know the violations over the phone and hang up on 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 explanation
Consumer complaint received 2018-09-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018, I First received notice from Ocwen loan servicing stating that my condo insurance expired. I immediately contacted my Home owner association and submitted proof of insurance online. A few weeks later I received another mail that they did not receive my insurance coverage and that they were going to buy insurance on my behalf. I called in and spoke to agent who said I do have insurance but my hazard insurance has expired I explained to him that my overall coverage included hazard insurance. The agent put me on hold and called the insurance company who confirmed that hazard coverage was included. The agent then told me not to worry about it and everything would be taken care of. A month later I received the same letter that my insurance has expired Then I called in again and got confirmation that its been taken care of. Then a month later I got another email saying the same thing. This time I called and asked to speak to a supervisor and recorded the conversation as it was stated in the beginning of the call that this call may be recorded for training purposes. The supervisor who seems to be from XXXX put me on hold and then the call got disconnected and never called me back. I then submitted a claim to XXXX but didnt hear back Then on XX/XX/XXXX I received another certified mail saying my hazard insurance has expired and if I dont provide proof of coverage they will purchase it Talking to the agents have been very tiring and not so helpful. Theyseem to have a really strong accent and dont understand what we say. This is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Security National Automotive Acceptance
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I received a call from a debt collector at Security National Automotive Association Corporation to settle a debt. I came to a payment arrangement to pay a certain amount on the XX/XX/XXXX and to set up automatic payments using the same card for the XXXX and XXXX of ever month. I received email confirmation of such. No automatic payments were taken out since then and on XX/XX/XXXX they repossessed my car without notice. I have called and tried to express this error to them and I was referred to my account manager who either wasnt there or wouldnt pick up the phone. I was told that no one could help me with this issue besides my account manager who still has not called me back. I would like to settle this debt as Ive already missed a day of work. This is a stressful situation and Im very tired of waiting on them while my account accrues more and more fees by the day. I dont even know where my car is because I could not talk to anyone about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After being with Capital One MANY years with a high credit line of $ XXXX. On XX/XX/2020, I was notified by the company my line was reduced to {$5000.00}. This was due to having not coming near the high line of credit use. This was done without even permission or notification that this would be happening. I was concerned that this would affect my now XXXX credit score. So approximately 10 days ago I called them questioning if my score would be affected ... .the first customer service rep had no idea, was then sent over to a supervisor, he had no idea either if this would affect my score. So this bank does this without notification or permission to do an adjustment on my card having NO idea if it affects your credit score. My husband and I IMMEDIATELY cancelled both our cards and we have WERE customers they shouldnt want to lose. Aside from that, I have found out that doing this DOES affect your credit score and that is valuable to me. I will attach their notification. Please advise if this is legal and can you do anything about it. 

Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I XXXX XXXX are writing a letter of explanation for the errors that Nissan Motor acceptance group billing department has made on my XXXX. I have made all payments on time and also made large payments that they misplaced and didn't apply accordingly. My credit score dropped substantially I was in the XXXX now am in the XXXX 's also currently are in escrow I talked to numerous amount of staff in NMAC so they can resolve this matter with all credit bureaus and said there not going to. I want them to be held accountable and fix there mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
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: Information belongs to someone else

Complaint:
I received a credit report from Equifax dated XX/XX/2019. The report contained incorrect personal information and two fraudulent accounts. I opened a dispute on XX/XX/XXXX. On XX/XX/XXXX, Equifax confirmed that they had removed all of the incorrect personal information from my report. 

Then, on XX/XX/XXXX, Equifax informed me that one of the fraudulent accounts was no longer on my report and claimed the other ( an account with XXXX XXXX Delaware ) was not fraudulent. This XXXX XXXX Delaware is indeed fraudulent, though. In fact, the two other credit bureausXXXX   and XXXXhave removed this account from my reports at earlier dates. Equifax must do a better job researching and resolving disputes. Their current process is not thorough or helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Several attempts have been made to Specialized Loan Servicing ( SLS ) for the information regarding the second version of the Home Equity Credit Line Agreement and Disclosure Statement that shows a rubber stamp indorsement of XXXX XXXX XXXX. SLS has refused to provide me and my wife with the time or the date or the year they acquired this copy. This we believe is a violation of our rights to loan information and considering our adamant declaration that this copy is not the one signed at closing, we have incurred damages and continue to be damaged by SLS refusal to fairly communicate in any attempt for us to resolve this issue. If this violation of our rights continues and results in court costs, we will demand all our expenses to be reimbursed. 
UNDER CFPB CONSUMER LAWS AND REGULATIONS UDAAP We request from Specialized Loan Servicing the information pertaining to When SLS acquired this copy with rubber stamp indorsement of XXXX XXXX XXXX and from what ENTITY or PLACE or PERSONS That this COPY was received from or provided to SLS

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 2019-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I recently paid off a collection on TransUnion in the amount of {$140.00} for XXXX XXXX XXXX. This account was updated as paid in full. As of today, this account was placed back on my credit report as if I owed the money. I have already sent them a receipt of where the account was paid off. This is hindering being able to qualify for my loan for my home.

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 2021-04-06
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: Information belongs to someone else

Complaint:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX  COMPANY XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
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:
this information does not belongs to me I have never done any business with these companies these accounts is fraud

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 2020-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery has been calling me almost everyday for the past year, and I have told them numerous times to stop calling and that they are harassing me. They continue calling me after saying that they will stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have contacted Rocket mortgage via phone on XXXX/XXXX/21 and XXXX/XXXX/21. I emailed them on XX/XX/XXXX21 and XXXX/XXXX/21. I also mailed a letter to them sometime last week requesting that they remove my PMI because I am at 78 percent LTV and it has been at least 2 years that I have had the loan. The Home Owners Protection Act of XXXX as well as section B of my closing statement says I have the right to cancel my PMI. As of today my LTV is at 75 percent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Ive had an XXXX XXXX XXXX account since 1998. I had an interest rate of approximately 14.9 % initially that stayed that way for quite some time. Eventually, the card was merged with Citibank and it led to my interest rate being raised to 29 %. I paid this for awhile and decided to contact the card company to have my interest reduced due to financial hardship. I was denied any leeway on the payments or interest despite my long tenure with the card and asking for temporary assistance. I continued contacting Citibank to request an APR decrease but was always denied. Im still looking for a resolution to this issue so I can make my payments without further putting myself in a financial bind.

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