BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a check from my insurance company to Ditech for the damage to my home because of a fire on XX/XX/18. I was told these {$220000.00} plus funds would be held in an escrow account until they are needed for construction. 

Im having an issue with DiTech releasing my insurance funds so that construction can begin. The first claim I submitted for the demo of my burned home took 1 month to receive, now Ive submitted for the first payment to the contractor to begin the build in the amount of {$40000.00} and its been 19 days and still nothing. 

Ive called several times and was put on hold for 45 minutes at a time and never getting anyone to answer the phone. When I finally found a different phone number for DiTech I got someone to answer but he didnt help me at all, only to put me on hold several times and then he asked about inspections and then the final comment that topped it for me was wherein he started saying something about the investors What investors, you have my insurance funds and they need to start being released I said. 

I need help with receiving these funds as my insurance company has a cut off date and then they will close my claim. If I can't get DiTech to release my funds how can I move forward with construction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Synovus Bank
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
On two separate occassions with XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX, I tendered two separate U.S Dollar Checks, the FORGE INSTRUMENT which CLEARED and funds where then debited! After my Case Application as filed before the Company as you already know, I was advised IF I WILL PROVIDE, I provided for THAT to the Company, through XXXX XXXX, and much more to do with the essence underwhere I am moving in for my pay relatively, but on 2 occassions, the Synovus Bank, through XXXX XXXX, have informed me that Funds are unavailable ( approximately XXXX U.S Dollars ) to clear my check tendered to XXXX XXXX XXXX vide XXXX XXXX. 
The case is well known and the Treasury disbursed the Funds, and the FORGE Instrument is the SOME instrument that was availed for me to be able to get my payments, but the Bank, Synovus Bank, through XXXX XXXX is advising me that FUNDS are unavailable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-12-13
Company: EQUIFAX, INC.
State: MI
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:
Consumer reporting agencies obtained and shared my information with XXXX XXXX XXXX XXXX on XX/XX/2022 without my express written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a conventional mortgage with Chase bank at XXXX XXXX XXXX XXXX, XXXX, FL in late XX/XX/XXXX and was told if I took an online XXXX XXXX XXXX course I would receive {$500.00} after my closing. The course was recommended by the branch 's lending manager, XXXX XXXX, and became a requirement for me to complete during the underwriting review process. I completed the course on XX/XX/XXXX and sent the completion certificate to my loan officer, XXXX XXXX, which was then provided to the underwriters. I closed on XX/XX/XXXX after a terribly stressful process with Chase staff. To this date I have not received the {$500.00}. 

On XX/XX/XXXX I sent a message via my Chase mortgage secure message center asking about the {$500.00} credit. The Home Finance Support team responded that they had no record of it. They said they would have to forward the matter to Home Resolution, although I have not received any notice that this was done or that Home Resolution is actively working on it. As it had been two weeks without any communication, I sent an email to XXXX XXXX and XXXX XXXX on XX/XX/XXXX for their assistance. XXXX XXXX responded that " the agreement was made directly with XXXX XXXX '' and that he was out of town until XX/XX/XXXX. On Monday, XX/XX/XXXX, I called XXXX XXXX 's cell phone and left a voicemail, which he did not respond to. On XX/XX/XXXX, XXXX XXXX responded to my second email with : " Since you sent your initial email to the escalation department I work through them for resolution. They will be reaching out to you with their findings and resolution to this matter. '' His response was disappointing as I felt he was not willing to help me resolve the issue and each Chase department seemed unable to do anything. I then sent an email to Chase Executive Director Home Lending, XXXX XXXX, to ask his assistance. XXXX XXXX responded and asked XXXX XXXX to respond with detailed facts, however, XXXX XXXX has not responded. I am still waiting for Chase to inform me as to what is being done to honor their {$500.00} offer. Furthermore, I do not want other prospective mortgage applicants to go through this same experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-15
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am an XXXX with substantial XXXX XXXX debt. I have stayed in government positions or with non-profits because of the public student loan forgiveness. 

I have had, and continue to get improper information about how to make sure my loans qualify for loan forgiveness. I still do not have the proper accounting of qualifying payments. I have worked for XXXX XXXX, a qualifying non-profit from XX/XX/XXXX- XX/XX/XXXX. I now have worked for the XXXX XXXX XXXX XXXX from XX/XX/XXXX- present. ( I am currently submitting my employment certification form from XX/XX/XXXX-XX/XX/XXXX so those may not be reflected yet. ) I can not access any of my old documents uploaded online, they do not give you copies of any emails you send to them and the only method to hold them accountable, the chat feature, has been deactivated. There is no meaningful way to track what they tell us, documents that are provided, and no method to contest when payments are qualifying. I have submitted documentation for annual re certifications, called to ensure they received it, was told it had been received and then later received notices that i never sent anything and had to put my account into forbearance. 

The misinformation and lack of accountability results in individuals staying in lower paying jobs for months or even years longer than they intended without the benefit of meaningful Public student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Altisource Portfolio Solutions, S.à r.l.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I NEVER had an XXXX XXXX Account ending in XXXX. I do NOT owe XXXX XXXX any money. The Account Balance is XXXX. XXXX XXXX has all my correspondence and can provide XXXX XXXX XXXX copies. 

This is the second DEBT Collector that XXXX XXXX has sent after me. I wrote to XXXX XXXX XXXX, explained that XXXX XXXX Account XXXX is FRAUDULENT. XXXX XXXX XXXX stopped contacting me but did NOT resolve the problem. 

XXXX XXXX just assigned the FRAUDULENT Debt Account XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX is HARASSING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: EQUIFAX, INC.
State: OH
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 made several complaints about negative items reporting on my credit that are fraudulent and should be removed permanently from my file yet I haven't heard anything in response to my demands in months. This is outrageous and I demand this be rectified immediately as it is damaging my ability to obtain new credit. I had a change in address and provided the supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
Company: ALLIED MORTGAGE GROUP
State: PA
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 received a credit monitoring alert in XX/XX/2019 that my credit report was checked by XXXX XXXX of Allied Mortgage. There was no consent given to Mr. XXXX to run my report. I had several telephone conversations with Mr. XXXX for corrective actions to have this removed from my report. Mr.XXXX agreed. I've sent mr. XXXX an email as a follow up, as well as contacting the Manager of Allied Mortgage. To no avail I have not received any follow up calls, emails etc and this unauthorized inquiry is still on my report affecting my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
The situation is rather simple. I am attempting to sync my credit card account with the online service " XXXX   '' ( budgeting software plus a few other features ). The creditor has blocked access to said service due to " security reasons ''. The account, and the information associated with it, is mine to decide who to trust or not trust. I have the right to access my own financial information as I see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested that Bank of America correct my credit file to something other than a payment status of 120 PAST DUE. Evidently they feel that because the loan was transferred while past due, that it should be designated as past due forever by them even though the loan was brought current with the new loan. The loan was transferred in XX/XX/2015, yet they refuse remove a status that shows a current derogatory on my files with XXXX  and 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 explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2018-05-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened an account in wellsfargo XX/XX/XXXX and with out I knowing they did have me unroll me in a called XXXX XXXX XXXX XXXX I did signed for that but on XX/XX/XXXX I had an accident that stoped me from working social security give the benefits on XX/XX/XXXX in XXXX XXXX I couldn't work so I did have a place to stay so I end up in XXXX with my family I started the XXXX in XXXX XXXX. Few months ago wellsfargo send me a latter about this benefits would end soon then I knew about this benefits and that wellsfargo has been taken money from my account paying for a service I didn't know about charges or the benefits they told me that's if I get to be in XXXX they may help me. I talked to them about my health issues then they said it would work for me sinse im in XXXX I applied for the benefits but now they wanted a letter from doctor in XXXX XXXX I sent them my papers from social security that states im in XXXX sinse XX/XX/XXXX they asked for the first time I talked to them but now they wanted a letter from my doctor here in XXXX I'm a XXXX something year old lady who this bank wellsfargo is trying to take advantage of

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 2019-03-14
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Vice President Customer Experience and Executive Services XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX RE : Loan Number : XXXX SLSs failure/refusal to honor requests to correct errors and omissions Dear MrsXXXX XXXX XXXX XXXX, You said you understanding how we all must work together to deliver a seamless experience to our mortgage servicing clients. Will SLS/you please join a veteran and his wife in their seventies to end a year long fight to get SLS to verify the accuracy of claimed shortages and correct all/errors and omissions in the next 30 days listed below to make the borrower whole? 
1- Made false claims XXXX XXXX reduced the borrowers escrow, not true SLS reduced said escrow and refunded escrow funds as a surplus payments causing an excessive shortage in the borrowers escrow after servicing was transferred to SLS. 
2- SLS XX/XX/XXXX statement showed a {$19000.00} in XXXX of XXXX statement showed {$10000.00} neither of which have been verified. Please provide bills/cancelled check to verify the accuracy of any/all shortages and/or reductions, include analysis from XX/XX/XXXX till XX/XX/XXXX for XXXX and XXXX with end of the year balances for each year. 
3- SLS failure/refusal to honor the borrowers May request to place a stay on all payments, changes in payments, late fees, credit reporting and foreclosure action and more until all funds were reapply to escrow 4- SLS unlawfully used inaccurate shortage of {$17000.00} down to {$12000.00} from XX/XX/XXXX till XXXX, illegally changing the borrowers payment monthly to apparently give the impression all funds had been transferred in 30 days. The last funds were reapplied to correct the shorta and after the XX/XX/XXXX analysis the XX/XX/XXXX payment showed an accurate shortage of {$10000.00} for the first time, but its accuracy still has not been verified. 
5-SLS willful and wanton failed to reapply all funds in a timely manner, knowing conducted illegal/inaccurate monthly spreads every 30 days for three months, changing the borrower payment each month giving the appearance all funds had been transferred, then took the borrowers XXXX payment causing the borrowers account to remain delinquent.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-09-10
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint will not work with me according to XXXX servicing guidelines. 

I was impacted by XXXX, it took months for them to figure out my fatigue and shortness of breathe and other symptoms were the result of XXXX and XXXX. The XXXX  would not let me XXXX  remotely and did not renew my contract. I am on XXXX, XXXX, and XXXX. In addition to being sick, I am at high risk for XXXX. 

XX/XX/2021, At Shellpoint 's request. I submitted a completed borrower 's assistance application at Shellpoint 's request via email. I attaching all the documents for the completed borrower 's assistance application. 

XX/XX/2021, Shellpoint did not provide any of the XXXX XXXXXXXX servicing options. 
I completed a trial modification, but Shellpoint did not offer a modification. In the letter, Shellpoint holds me accountable for their error in contradiction to Regulation X 1024.35 ( a ) and ( b ) ( 1 ) XX/XX/2021 - Shellpoint will not work with me on XXXX servicing by asking for non-existent documents, and duplicates. 

XX/XX/2021, I provided Shellpoint a copy of the XXXX XXXX XXXX servicing guidelines and asked them to provide my options. Shellpoint will not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation