BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: C2 Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a new mortgage with C2 Financial Corporation. C2 brokered my loan application to XXXX XXXX XXXX XXXX. C2 continuously sent me incorrect closing disclosures and wanted me to sign them, but I refused until I saw a disclosure that was correct. The biggest issue was with the underwriting process. One of my employees forwarded me an email that she had received from XXXX XXXX XXXX to verify my employment on XX/XX/19. I was shocked that she would have receive such an email as she works in my marketing department. When I told her to delete it and not respond, she received another one the next day ( XX/XX/19 ). When I realized what it was, I asked for the correct person in payroll to complete. In the meantime, I let my broker and his processor know of the error and gave them the correct person to contact for payroll verification. They never reached out to me to ask who was the correct person to contact to verify payroll. When I forwarded the email to my broker and asked why a person in marketing would be asked to verify my payroll, he responded with " Im not sure but will look into and find out for you ''. He also copied the processor on his response. As I questioned as to how and why they got the individuals name in marketing and to change to the correct person, I received this response, " Ive had them update the information in the system. Ill see what I can find out about how they picked xxxx. Even on your website, xxxx is listed as a marketing person ''. In addition, I had him call my office and speak to the office manager to see who she would direct him to, it was the payroll department. I had assumed that the woman in marketing was removed and the correct person was added. Once my personal information and 3 years of salary information was verified, XXXX sent all that information back to the woman in marketing. This was after I had verification from C2 and the underwriter that they changed the contact. I received this communication from my broker on XX/XX/19, no response since. " FYI, I have been in communication with XXXX  and I expect that we will be hearing back from them tomorrow regarding the verification of employment situation. This has now been elevated to a director status there ''. This breach of personal and financial information caused a tremendous of unnecessary stress for me and my company as now my personal and financial information was in someones hands that should not have had it.

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 monetary relief
Consumer complaint received 2018-03-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX sent me a letter with procedures and the amount charged {$900.00}. That is not validation nor verification. This debt is not mine also the validation they sent was a HIPPA violation to whom ever charges these are. I have no signed contract or knowledge of me having these procedures done ... XXXX and the original creditor XXXX XXXX are not licensed in the state of Michigan I want to include according to the state of Michigan Licensing website!

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 2017-07-31
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The property is at XXXX XXXX XXXX XXXX , Maryland , XXXX. The original loan contract for 15 years was singed with XXXX in XX/XX/XXXX. So far, payments have been made monthly to XXXX for the last 7 years. In XX/XX/XXXX, I had a letter from XXXX that I should start making payment to LOANCARE. A questioned XXXX about the legality of the new deal only for XXXX to tell me that LOANCARE is a subsidiary company, and that the contract still stands valid with XXXX. I took XXXX by its word, and started making monthly payments to LOANCARE since XX/XX/XXXX. No paper or electronic, or verbal contract has been signed with LOANCARE in connection with the ownership of the property. Then just last month, XX/XX/XXXX, I had a letter from LOANCARE that I must pay {$710.00} for escrow or else my monthly payment would increase by adding the escrow amount. On the other hand, if I paid the escrow, my monthly payment would remain the same. I quickly send a check of {$710.00} to LOANCARE to cover the said amount. However, when the XX/XX/XXXX payment bill came, LOANCARE still increased the payment by {$100.00}. evidently LOANCARE had added the escrow to my monthly payment even though LOANCARE has already cashed the check of {$710.00} mailed to them. I called them to make a complaint but officials will not budge. Besides that, LOANCARE customer service is very rude, disrespectful, and indiscipline to customers. They tell me to refinance which I do not want to because it is not in my interest. I call XXXX to complain only for officials to tell me that they can not help me ; rather I must refinance. The behaviors of the two companies ( either sister or subsidiary companies ) are  nothing but a calculated attempt to rip me off financially, or even find a cause to foreclose my property. I have 7 more years to finish payment, and I have no interest in refinancing. With regard to the monthly payment, I do not see the reason why LOANCARE should increase it. If anything at all, monthly payment must reduce because the principal has reduced after 7 years of monthly payment. This is fraud, and I need help urgently. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I informed Experian that XXXX had sued on a debt that a bank stated that I owed. However, I disputed the amount the bank alleged I owed due to their erroneous calculation of interest. XXXX sued me in civil court and after my attorney responded, they have not proceeded as of this date. So the amount owed is contested and is not proven to be owed, and the proof XXXX submitted does not prove anything, nor has teh matter been decided by the court that XXXX decided to litigate in. Accordingly, they should not be able to claim that I owe a debt when they can not prove and have not proved in a court of law that the debt is owed. This credit reporting is a scam and any kind of verification they did is a scam as well, since I specifically told them that the matter was being litigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amerisave charge me a deposit of {$500.00} as an initial the loan. The loan request were declined after 4 months. When I did request to return back the {$500.00} they dont do that. I did ask in the beginning if I cancel the loan request you return back the XXXX the loan officer told me yes.

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 monetary relief
Consumer complaint received 2018-01-09
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XXXX/XXXX/XXXX I tried to manage my netSpend acct on line but found it blocked. Upon contacting customer service I was advised that my acct had been closed on XXXX/XXXX/XXXX for " unacceptable acct usage pattern '' and that I was " no longer eligible for netSpend services. '' I waited 45 minutes for a supervisor who informed me that she could not tell the exact reason as my acct was closed by XXXX, but said they did not have the phone number for their parent company. On XXXX/XXXX/XXXX I called XXXX to inqure further about the reason for my acct closure. XXXX denied any responsibility for acct terminations which the rep assured me was at the sole discretion of netSpend. On XXXX/XXXX/XXXX I contacted netSpend and spoke to a supervisor again attempting to obtain an understanding of what transpired with my acct. This time I was told that such information was not available since my acct was " no longer accessible '' due to its closure. When I asked for the regulatory agency responsible for netSpend operations, I was transferred to the risk management voicemail line. I left a clear message with my information. As of XXXX/XXXX/XXXX, I have not received a call back. On XXXX/XXXX/XXXX I received a check from netSpend for {$44.00}, the balance from my acct at time of closure.

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 2019-04-23
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2019, I filled out an online application for a Lowes credit card. The website directed me to call in to complete the application and provided a reference number : XXXX. When I called in I was asked for my physical address since I provided a PO Box for the application and the financial institution is required to have a physical address on file. I provided my address but emphasized that there is no mail delivery at the address and that my PO Box would need to be used for everything - the physical address is only for their records. The representative said he understood. After he ran my credit he said my application was denied and that they would be mailing me a letter with the reason. 
On XX/XX/XXXX I received an email asking me to click on a link, provide my reference number, and verify some personal information to access the response. I was able to provide the information and authenticate but the page that came up was blank ( I was accessing it from my mobile device as I do not have another computer ). I found a computer I could use to access the letter and it said I was declined because the address provided did not match my credit report. 
On XX/XX/XXXX, I called them back to ask if they could rerun my credit using my PO Box . Since I don't get mail at my physical address it doesn't appear on my credit report anywhere and can not be verified that way. After speaking with a supervisor I was informed that federal regulations require that they be able to verify my physical address, and that they can only do so using a credit report. 
I find this to be a discriminatory practice. People living in rural areas who do not receive mail at a physical address are disproportionately affected by requiring that their physical address be available on their credit report when creditors report information using the address they mail statements and notices to. Also, a consumer has very little control over what a creditor reports to the credit bureaus, and no way besides a dispute to add or update information that the credit bureaus have on file. 
In short, I don't get mail here, I can't tell the credit bureaus that I live here, my creditors don't provide my physical address to the credit bureaus, and Synchrony Bank won't validate a physical address by any means other an inquiry to the credit bureaus. I have been denied credit because I live in a rural area and don't have mail delivery at 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 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
Results from an investigation were neither logged, rendered, nor provided to XXXX, in 30 days and or til date, despite XXXXs repeated requests. Second, XXXX requested Transunion to provide the method of accuracy & verification used by Transunion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Transunion remains non-compliance till date. Third, XXXX requested Transunion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX. Hence, Transunion again went silent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The mortgage processor from Navy Federal Credit Union assigned after online application and upload of requested information withdrew our loan application and hung up the phone during a phone call on XX/XX/2019. The loan officer was unavailable and did not communicate for 5 days. The process was broken with confusing document requests electronic and otherwise. Refused to accept digital signatures for 4586-T forms requiring printing and mailing. Was unprofessional. Damaged our credit by pulling a hard credit pull.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Capital Accounts, LLC
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:
Dear Sir/Madam : I disputed the incorrect account which was reported to all 3 bureaus. It was a {$58.00} amount for XXXX Services which was paid to the doctor and it was sent to collections. I called Capital Accounts , LLC and cleared the matter with them and they told me that the account would be EXPUNGED from all 3 CREDIT REPORTING AGENCIES. Please see the email which I received from them on XX/XX/2019. Please investigate and remove the following negative information from my credit reports. Please see the correspondence which I received in the form of an email from Capital Accounts , LLC. 

Account # : XXXX From : Capital Accounts , LLC Client : XXXX XXXX XXXX This letter is to confirm that your balance has been paid in full. This account has been requested to be expunged from the three national credit bureaus as well. 



XXXX XXXX XXXX File # : XXXX Balance : {$0.00} Sincerely, Capital Accounts , LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have tried 6 times to get JEFFERSON CAPITAL SYSTEMS off my XXXX it is a fraud account i have never had XXXX in my life this is hurting my score i cant buy a home a car nothing because my information was used i have got this off the other two Credit companies but XXXX  is not and i want to take legal action now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX, XXXX and Transunion all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?

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 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
An account from XXXX per XXXX XXXX was recently added to my personal credit report. This account is old and does not belong to me.It is also an old account that is no longer collectable or report-able according to Ca. law.I have tried to dispute this account at the Transunion website but I'm not allowed to access the dispute page. When I call and ask why, they give me the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: DISCOVER BANK
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 information incorrect

Complaint:
Discover Card has been contacted via the three credit reporting agencies for the last two years and also via the FTC/CFPB with no resolution to the incorrect reporting with the latest correspondence in XXXX XXXX this year. Discover Card double down on the damage it has done to my credit score, ability to get credit both personal and business not to mention the intense anxiety and angst this situation has caused me with continuing to violate FCRA laws. I am writing to Update the latest erroneously, deceptive, misleading current reporting that Discover Card is submitting to the three credit bureaus XXXX, XXXX, and XXXX. Discover Card issued a 1099C Cancelation/Forgiveness of debt to the IRS as well to me. Discover Card is still reporting to the credit bureaus that this debt is open, overdue, past due, etc after it has already triggered an IRS event which forced me to report this forgiven amount of {$14000.00} as income. However, Discover Card is still incorrectly reporting this amount as current open debt that is past due as of XX/XX/XXXX and that's impossible since this amount was reported as a forgiven debt income to me on my XXXX Tax Return. This is a GROSS Negligence to continue to report this information as if it's active  collections, currently past due completely ignoring the action that Discover Card took on the account. This has cause grave harm to me and my family to continue to deceive readers of the credit file and to totally disregard Federal Credit reporting laws. DiscoverCard 's own documentation states that collection has been discontinued and the economic detriment it has caused by the IRS reporting as it actual income was passed to me when it was not. So this situation causes additional harm via additional tax owed, inquiries on top of the negative reporting of this account as if it is a current open debt owed to Discover Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
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:
In XX/XX/XXXXI had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client : XXXX/XXXX reported account XXXX This account is unknown to me and were opened in result of theft of my identity in XXXX. The opening of this fraudulent account was reported to the FTC in XXXX under affidavit number XXXX after unsuccessful attempts to delete via XXXX XXXX in XXXX XXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package including signed contact to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Sarma
State: OH
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:
They have called me numerous times, the most recent being XX/XX/19, at XXXX XXXX. I have already explained to them I am NOT the person they are attempting to collect from, and they refuse to remove my phone number from their system. I have gone so far as to call them twice, and explain that they are obviously incorrect ... I know this, because I have NO DEBT. They also claim to be a law firm, which is 100 % false. They are actually Sarma Debt Collection.

Company response to consumer: Closed with explanation