BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a Mortgage Modification to Freedom Mortgage in XX/XX/XXXX-XX/XX/XXXX ( Can't remember specific date ). During that time I also was working with a realtor to sell my home instead of it going into foreclosure. I called Freedom mortgage to advise of my house being on the market to sell and continued to keep them informed on the process. In XX/XX/XXXX I called Freedom mortgage again to advise them that I had a buyer and due to close at the end of XX/XX/XXXX and the agreed selling price was XXXX which would've paid off my loan of {$10000.00} in additional to the {$45000.00} I was behind. The title company had been working on the closing since XX/XX/XXXX and paperwork was finished as of XX/XX/XXXX. We were now set to close in the beginning of XX/XX/XXXX in which I again advised Freedom Mortgage. In the interim I received a letter from Freedom Mortgage dated XX/XX/XXXX and dated XX/XX/XXXX by the post office. The letter stated the review of my hardship assistance was completed but unfortunately they were unable to approve the request due to insufficient time to review. The Foreclosure date was XX/XX/XXXX. 
Again, I kept Freedom Mortgage in the know of the whole selling process. Due to the foreclosure I lost a gain of {$40000.00} and now the Foreclosure is on my credit. I continued to keep Freedom Mortgage in the loop at all times during the sale process. I want to be compensated and the Foreclosure taken off of my credit report.

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 2021-05-02
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The business is Consumer Portfolio Services and they are a loan shark company. My purchased vehicle is worth {$14000.00} but yet I owe {$30000.00} o n the loan. My cosigner died and the dealer stated I could refinance vehicle. They stated that they were an investment company and it defeats the purpose for those who had a recent bankruptcy and there they only company dealers are using to help those reestablish there credit. Furthermore its majority XXXX American citizens and the systematic XXXX  used at dealerships to place XXXX borrowers with this company is bias. I recently tried to refinance car and they wanted {$20000.00} down. I've been paying for 2 years and only {$4000.00} has been applied. They should not be able to do business like this targeting only XXXX borrowers. White people file bankruptcy as well but seem to recover just fine. XXXX families seem to just keep getting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have recently received three letters informing me that my personal information and credit card accounts have been subject to data compromise. The letters included information on how to perform a freeze on my credit accounts. When contacting these companies and requesting a freeze, one waived the fee while the others told me that because of which state I live in, they are required by law to charge a fee for the freeze. I do n't understand how one company can waive the fee with no problem while the others are " bound by your state law ''. Again, I have done nothing to cause this problem. I was notified by several of the businesses I hold accounts with that I should take action. It seems that these credit reporting agencies have a monopoly on my personal information and I have no control unless I am willing to pay an extortion for them to act on my behalf. Is this legal?

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: Novad Management Consulting LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern : I have an FHA loan that was created XX/XX/2012 with XXXX XXXX XXXX. Few years later, it was bought by another mortgage company, XXXX XXXX, XXXX. It was then when I lost my job and worked with them on a loan modification. This brought my principal down, interest rate up, but allowed me to make lower payments, which I wanted at that time. Few years later, my loan was bought off again ( XXXX/XXXX XXXX XXXX  ) and only the lower amount was carried over and it had been the case ever since though today. 

I am now in the process of selling my home and purchasing a new one. Upon reviewing numbers from the Title Company, I see that there is a second Mortgage in the amount of $ XXXX. I tried reaching out to NOVAD CONSULTING via email many times the past month, but I keep getting automated/generated emails asking me to fill out a form and return it signed in PDF ... which I have already done. I also tried calling their 800 number, but hold times are over an hour and the few times I leave my phone on speaker while working, it always gets cut off. 

I am trying to get a hold of someone that can help me answer questions on my second mortgage, which I am only assuming came from from loan modification years ago. Having this balance show up during my home selling process is really inhabiting me from going through with the sale as it is a lot of money to not have any knowledge of during all these years. Had I known about this, I would have asked to make payments towards this balance past several years now that I am stable employment-wise. I understand that is my fault for not keeping that info in a safe place 8 years ago from the loan modification, however, this is the reason why I am trying to get a hold of someone that can help me and I can't seem to be able to do so. 

I just need some help and it's putting me in a serious situation. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My daughter and I co-own a single family house. She lives in it with her husband and children. My daughter 's family is struggling financially with reduced hours and the results of Covid-19. They haven't been able to pay their HOA dues because of the financial difficulties they are experiencing. The debt for those fees were first passed to a collection agency XX/XX/XXXX and a couple of days ago we received mail from a lawyer representing the HOA that we are going to be sued and they are issuing a lien on the property. The original HOA fees were about {$790.00}. The lawyer is asking for {$1500.00} which includes {$350.00} for attorney 's fees and a lien fee of {$75.00}. This is the second time this law firm has done this. This happened before in 2016 and we paid them {$1600.00}. With everything that's going on with the virus and people out of work, I don't believe people should be subjected to this kind of action. We are not disputing that the HOA dues are legitimate. The last time I looked, I saw multiple complaints about this law firm. Their name is Lazega & Johanson, XXXX XXXX. XXXX XXXX, XXXX, GA 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 2018-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2018 I opened a Bank of America checking account and received an account approval letter. Please see the attached for the approval letter. After I changed my direct deposit information with the new account, Bank of America involuntarily closed my account without warning or notice. Since this is in direct opposition to account approval letter I did receive, this is fraud and outside of the terms.

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 2019-04-08
Company: HomePlus Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a first time home buyer that began shopping around for a home mortgage loan. I made contact with XXXX XXXX of HomePlus Mortgage. On XX/XX/2019 XXXX XXXX had me sign documents that required me to provide a credit card for a {$500.00} appraisal and sign an intent to proceed despite not receiving a loan estimate. The document 's wording was as such : " By signing below, I/we express intent to continue with the application for which a Loan Estimate was issued on ________. '' No date was given because I had not received a loan estimate. The document for the appraisal fee also contained wording requesting a contact number and best time to contact me to " schedule an appointment. '' I expressed my concern to Mr. XXXX about paying {$500.00} for the appraisal and he advised that I would not be charge until the disclosure. On XX/XX/2019 I received the loan estimate from HomePlus Mortgage. On XX/XX/2019 I advised Mr. XXXX that I would be reviewing the disclosure with my wife. After comparing HomePlus Mortgage 's loan estimate with other mortgage lenders I advised Mr. XXXX on XX/XX/2019 I declined his offer and that I would be working with another loan company. Between XX/XX/XXXX and XX/XX/XXXX I had no conversations with anyone from HomePlus Mortgage indicating that I accepted the loan estimate. On XX/XX/2019 I received a text from Mr. XXXX stating that I gave him fake credit card number and demanding {$500.00} for the appraisal. I indicated to Mr. XXXX that I did not give him a fake credit card number but had cancelled said credit card and that I never accepted the loan estimate HomePlus Mortgage. When asked when he ordered the appraisal Mr. XXXX refused to answer. HomePlus Mortgage continues to demand {$500.00} and threatens to send the matter to a collection agency and/or contact the police for " fraud. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX - XXXX Reported XX/XX/XXXX XXXX attempted numerous times to resolve they want the whole debt paid which I never purchased this and they were unable To provide me with evidence of me purchasing such goods. I called on XX/XX/XXXX when I applied through my bank to refinance the house and this came up. 

XXXX XXXX XXXX. XX/XX/XXXX Reported XX/XX/XXXX. AMOUNT DUE XXXX XXXX Never purchased goods tried numerous times to dispute and no remedy. 

ARS Account XXXX XXXX, Fl Medical bill for services rendered unable to obtain accurate information in order to resolve. I never received a bill to pay, as well was unaware of these charges. Attempted to contact and no answer. 


XXXX- XXXX Reported XX/XX/XXXX. {$390.00} for school? 

Never registered for clases in XXXX and XXXX XXXX College is charging for a class never taken and never registered. 

XXXX XXXX XXXX XXXX Medical services rendered Never receive bills for this service or notice. 
Attempted numerous times to resolve issue and they are unwilling to remove from credit report.

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 2020-05-06
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made payment on my Valley Bank credit card by depositing same at the Post Office in XXXX where the Valley Bank has a branch. I was not able to make a deposit at the branch because the branch was closed because of the coronavirus pandemic. I subsequently learned that the Valley Bank branch in XXXX XXXX was also closed. 

NOW VALLEY BANK IS HITTING ME WITH A {$28.00} LATE FEE. THIS IS APPALLINGLY UNFAIR AS I MADE A GOOD FAITH EFFORT TO MAKE PAYMENT ON TIME BUT THE FACT IS THAT THE VALLEY BANK BRANCH IN XXXX WITH WHICH I NORMALLY DO BUSINESS AND WHERE MY BANK INFORMATION IS STORED WAS CLOSED BECAUSE OF THE CORONAVIRUS. 

I WROTE TO THE CFPB THE VERY DAY I DEPOSITED SAID PAYMENT BUT RECEIVED NOT ONE WORD FROM THE VALLEY BANK! 

MOST DISHONORABLE AND MOST UNFAIR!

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 2018-01-08
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX account has been satisfied and reached the Statues of Limitations. Deleted off of 2 reports but not all

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 2019-04-08
Company: EQUIFAX, INC.
State: MN
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:
Suddenly I had 2 collection from XXXX XXXX XXXX now theres 7. I contact them they say theres nothing with my name I received mail from them my address someone elses name and I have lived here for 10 years. I dispute with Equifax 7 times each time exactly 3 days later comes back verified but I dont get any documentation that the debt is mine. I am at my wits end because I know its not my debt and no one helps nor do they send me documentation which is my right!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and DEPTEDNELNET with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Amex Bluebird Direct Deposit Problems - Where is my Money?! 

I haven't received my paycheck for 4 days now. After asking all my colleagues and double checking with HR that my payment went through, I called Amex with my tracing number. ( English speakers : Have fun trying to understand anything coming from their XXXX call center ) After being on hold for 30+ mins, I was told there were technical difficulties and the funds would be available in the morning. 

This same song and dance happened two times the following mornings. 

3 Days and 3 calls later .... 
I was finally able to speak with a supervisor where I voiced my frustrations around NO EMAIL being sent to customers regarding the issue and if Amex planned on paying the late fees I accrued. 

He said if they did they would notify me through email ( lol are you sure? Cuz I didn't get an email about major delay in getting my money ). He also said the issue was with a different vendor and said it would be resolved by morning ( sound familiar? ) It's now been 4 days and I still have no clue where my money is or when it will be available in my account. I'm having to extend my credit and take loans just to cover my expenses. Very upsetting. 


TL XXXX DR -Amex Bluebird -4 days w/o getting my direct deposit from work -Called each day and was told it would be fixed by morning -Still don't have my money -am upset and out of options

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My insurance company submitted a claim to the lender Global Lender Services on or before XX/XX/2019 following the date my car was deemed totaled. Myself and agent contacted the lender and we were informed a claim would have to be put in with them as well. As of this date, the lender and the insurance company were in contact. On XX/XX/2019 I was sent an email that stated the claim had been processed and my remaining balance was {$2600.00}. My payments are due the XXXX of every month with a ten day grace period. The week of XX/XX/2019 I contacted the lender to set up a payment plan for the remaining amount. I was informed that I would need to pay {$620.00} a month for the remaining amount and the only other option was to charge it off onto my credit until the balance was paid. I have no late payments and the lender had already received the insurance payout at this time. On XXXX On Friday, XX/XX/2019, I received a statement with a late fee. When I called into the leader I was informed I personally had not made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to manage my credit information that Equifax is holding hostage ever since the breach in 2017. The process is unreasonable and unnecessary. Today, I again attempted to login to Equifax to verify the status of my credit report freeze/lock. Note that I am not able to access my free annual credit report either. I placed a freeze on my account in XX/XX/2017. However, I have not been able to access my account online, and when I attempt to retrieve my password I run into an issue that requires me to phone them directly, despite my providing the verification number they sent to my phone. I have the PIN they provided me at the time I placed the freeze, but without first logging in to my account, I am not prompted to provide it. 

So, I contacted them by phone, and spoke with " XXXX ''. I ran into the same sorts of problems trying to get this resolved over the phone as I did online. At one point XXXX asked me for my full social security number. I chose not to reveal that. They want me to mail them photocopies of my driver 's license or social security card along with other confidential information. I am not comfortable with mailing confidential information of that nature. 

The process is unreasonably burdensome, and I resent having to pay them for their so-called " services '' when the information they are using is MINE, not theirs. They should be paying ME, not the other way around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-02
Company: EQUIFAX, INC.
State: NJ
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:
On my report is XXXX XXXX ... which is not my account. Never solicited them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: WI
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:
After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage.

It is now reflected on my credit score and XXXX XXXX  has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement.

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). During their investigation, XXXXXXXX XXXX  confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Credit Center, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received notification through a credit monitoring service that I had a past due balance of {$70.00} for a medical appointment several months prior. At no point in time did I receive notification ( written or verbal ) from either the medical office involved or the collections agency. The debt collector fraudulently reported the total amount owed as 4 separate past due balances totaling {$70.00} to the credit bureau, seriously affecting my creditmoreso than one derogatory mark. Since I first discovered the debt through my credit monitoring service, I should not be expected to have paid earlier, nor penalized with derogatory marks. Upon discovering it, I did verify it, and paid it as soon as possible. The CFPB needs to step in here to prevent this company from fraudulently and viciously trashing my credit, and reach out to XXXX to remove these marks ASAP.

Company response to consumer: Closed with explanation