BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-06
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: Investigation took more than 30 days

Complaint:
Equifax follow up from Complaint ID XXXX Thanks for responding back to the complaint with the Cfpb. however You still DID not address my concerned. I DID NOT ASK YOU FOR CREDIT REPAIR ADVICE I ASKED AND WILL ASKED AGAIN! FOR YOU TO SEND ME THE ORGINIAL SIGNED DOCUMENETS THAT THE FEDERAL GOVERNMENT INSTRUCTED THE REPORTING AGENCIES TO HAVE IN YOUR POSSESSION AT ALL TIMES THE FCRA 609 ( A ) ( 1 ) ( A ) AND SECTION 611 ( A ) ( 1 ) ( A ) ALSO SECTION 611 ( 5 ( A ) BUT I'M NOT CONCERNED ABOUT GETTING THE CONTRACT ANYMORE BUT HOWEVER I'M CONCERNED THAT YOU FAILED TO INVESTIGATE WITHIN THE 30 DAYS THAT THE FCRA ALLOW THE REPORTING AGENCIES ALLOW YOU TO. PER THE FCRA IF AND SHALL NOT COMPLETE IN 30 DAYS THE ACCOUNTS MUST BE REMOVED I HAVE ALREADY NOTIFIED THE MN ATTORNEY GENERALS OFFICE WHO SHOULD BE IN CONTACT WITH YOU IN THE COMING DAYS ALSO I WILL FILE LAWSUIT IN FEDERAL COURT WITH IN THE NEXT 5 DAYS SO HELP ME GOOD WITH ALL OF YOUR BURGAGE YOU SENT IN YOUR REPONSE YOU WILL NOT SEND ANYTHING VIA THE CFPB WEBSITE JUST CURIOUS YOU DON'T HAVE THE ORIGINAL CONTRACT DO YOU? IF NOT WHY DON'T YOU PLEASE ANSWER YOU ARE BREAKING THE LAW EQUIFAX. BUT REMOVED ALL ACCOUNTS LISTED ON THE PRIVIOUS COMPLAINT. ALSO TO ANSWER YOUR QUESTION FROM PRIOR YOU ARE EXACTLY RIGHT CREDIT REPAIR COMPANY CAN'T HELP ME AT THIS POINT BUT GUESS WHAT YOU CAN BY REMOVING THE ITEMS THAT YOU FAIL TO INVESTIGATE IN 30 DAYS! 
THANK YOU SO KINDLY LOOKING FORWARD TO WORKING WITH YOU IN THE COMING DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a lawyer the company is Mr. Cooper/Nationstar Mortgage and they sold my loan back and forth then sold my house without proper paperwork. Like many people in 5 other states I follow the same pattern to a tee. Why? How? When will this stop? Why am I going through this in Texas if California Oregon New York and other states won class action suits w the same pattern? Why??? I have a handicap first floor just for my disabled father ( who was in the reserves ) my husband, a veteran fought in 2 wars, XXXX year old XXXX high school at XXXX with hopefully an associates, and Im a XXXX XXXX .... broken hearted over this injustice and paying lawyers fees to defend me against these well known unethical mortgage companies from a different nation. They Obviously do not care about our nations laws nor do they wish to abide by them from the trajectory of their court cases. Please help me ... 
( XXXX ) XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Im on XXXX and planet home lending gave me 2 forbearance. I had XXXX county paying my mortgage payment and when the forbearance came up The department refused to pay and now I have six payments late. My money was not in my control. The mortgage people knew this and this is in my name, but I had no say

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Dana & Pariser Co.,L.P.A.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today. XX/XX/2021. XXXX XXXX EST. 

I am a XXXX veteran. I am attempting to settle a debt through this office who is deliberately making my debt settlement impossible. 

In XXXX, we were provided a settlement amount and told we would have to send the money via certified check to this company. We did so, but found out recently, the money never drafted from our account as the check was never deposited on their end. I am unsure, with COVID-19 mail issues, if that is the culprit or if perhaps it was lost in their office. Regardless, I have since canceled the check and I, XXXX XXXX, reached out to establish another settlement amount and inquire if there is an opportunity for us to perform an ACH withdrawal instead of doing the certified check ( to prevent further delivery issues ). 

This companys account representative 's behavior was the most atrocious customer service experience we have ever been through. The demeaning, disrespectful attitude and offensive comments she made, were beyond unacceptable for a professional workplace. If this is how their company operates, it is absolutely unacceptable She consistently interrupted me as I was attempting to explain the situation ( with the uncashed check ) and why we are looking to get this taken care of immediately. 

I stated, " I need this to be resolved, so I can be approved for my new mortgage, as I do not want to be homeless with my children. '' Her response was, " Well, I am having a hard time understanding if you sent in a check with the original settlement amount, how you do not still have that money. '' I stated, " As my wife just said, that is none of your business, but, '' She cut me off and said, " You're right. Call me back when you have the money, otherwise enjoy being homeless. '' I absolutely expect her unprofessional behavior to be addressed. 

I also expect her then follow-up retaliatory behavior to be addressed as well. 

I called back to attempt to talk to a manager, who she stated there would be no point in transferring to because we would be met with a voicemail. She then said, she already spoke to her manager because of " our situation, '' and that your will no longer accept the payment through ACH or debit withdrawal. This is clearly retaliatory and the most immature and unprofessional response to customer concerns I have ever experienced. 

The company is also refusing to provide me with any documentation of the debt I owe, and/or, any settlement amount/payoff documentation up front prior to paying my debt. 

Never in my professional working career, have I ever experienced behavior like this from a customer service representative regardless of whether it is a debt collection company or not. 

They are purposefully making my ability to resolve this debt beyond difficult. 

I expect this matter to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: GA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have continuously received calls from XXXX, which appears to belong to Midland Credit Management. They do not leave any voicemails indicating the reason that they are reaching out, but have tried to contact me from various phone numbers in the past. I do not have any past due balances on any of my accounts, so there's no reason that they should be attempting to reach me from various numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XXXX XXXX, XXXX, a lady called my elderly mother and told me I was going to be served court papers within XXXX hours and to make sure I was home. This was a case of fraud against me. She gave her a number I could find out more information and I called this number. She told my mother that I had given them my mothers name, addres, and phone number. My mother was in a panic. When I called the guy told me he could dissolve this out of court if I paid monthly for XXXX months and put XXXX down today. However, they said the debt was for XXXX on a credit card from HSBC. XXXX problems with this : I have never given my mothers name phone number or address to anyone except my employer as the emergency contact. I have never had a bank account from HSBC nor a credit card from this bank and I have lived overseas in XXXX for the past XXXX years with XXXX accounts in United States for the past XXXX years. I havent even visited United States in the past XXXX years. While I am a US citizen I have lived exclusively in XXXX and XXXX for my job for the past XXXX years. I diligently check my credit report from the writer states often to make sure that theres nothing on it and at no time in the past XXXX years have I ever seen anything from HSBC bank or from any other bank to suggest that identity has been stolen or that any type a valid account has ever been defaulted on. The phone number they told me to call was XXXX. When I figured out it was a scam I threatened to report them to the authorities and he used very XXXX language and called my mother a very XXXX name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During the COVID pandemic I fell into hardship. I entered into a forebearance plan with XXXX XXXX my original loan serviced. During the forebearance the loan was sold to another mortgage servicer, Freedom Mortgage. Starting in XXXX of XXXX I began being able to make payments on my mortgage again and began to do so with an overpayment. I paid {$2000.00} each time. On two occasions I have contacted Freedom mortgage to come off of the COVID 19 forebearance plan after receiving threatening notices that they were looking into the option of foreclosure. They recently sent a statement that had an offer of coming off of forebearance but if I did not respond by XX/XX/XXXX that I would have automatically denied the offer. The day I was notified of this offer was XX/XX/XXXX. I asked questions about the amount of principle and terms of the loan modification they offered and the agent refused to answer my questions. I was told I would be contacted by a person who would explain these terms to me. Today XXXX XXXX I was contacted by a person to possibly explain the terms of the loan modification but the person wanted to record me and would not consent for me to record the conversation as well. At this juncture I am continuing to pay {$2000.00} for my mortgage which is nearly a {$500.00} over payment to show effort and good faith to bring my loan current. My fear is if the forebearance protections set forth expire they will try to foreclose my property while I am trying to legally come off the forebearance plan as set forth in the government protections in place since XXXX of XXXX. Freedom mortgage to this day has refused to work with me to complete the steps required by law to end my forebearance.

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from reporting on my credit XXXX   Report Confirmation # XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$750.00} {$770.00} Account Name : XXXX  XXXX XXXX XXXX Account number : XXXX {$700.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX  XXXX XXXX  Account number : XXXX {$1000.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX  XXXX Account number : XXXX {$1600.00} Date open : Date open : XX/XX/XXXX By Mail Only Account Name : XXXX XXXX  XXXX  Account number : XXXX {$2900.00} Date : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$330.00} My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your 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 explanation
Consumer complaint received 2017-10-24
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a scheduled foreclosure sale date on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I was informed by XXXX to submit a letter to request a postponement of my foreclosure. This letter was faxed by a non-profit housing counseling agency, XXXX, on XXXX/XXXX/XXXX. Later I spoke with Ditech to check on the status of my postponement and was informed that this letter was not reviewed and no assistance was granted because there was no packet to review. This is contradictory to what I was informed and has prohibited me from pursuing much needed mortgage assistance. I spoke with Ditech on XXXX/XXXX/XXXX and requested a reinstatement amount as of XXXX/XXXX/XXXX I still do not have this figure. It seems as if Im being given the run around and I am only trying to find a resolution towards saving my home. I believe that proper communication and accurate information is not being shared, unfortunately to my detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: LJ Ross Associates
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX XXXX I got notified by XXXX XXXX that lg ross was now listed on my credit report. this has caused much damages. never received notice from lg ross. they are collecting from a XXXX XXXX  account that was fraudulent. Please have them remove from my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Came to make myonthly mortgage payment to wells fargo bank. As I get to the counter and give my information to the bank teller, bank teller is unable to find my informaion and tells me that she sees my account but can not access it. She then tells me that my loan has been sold although it does not show to whom. I have not received notification over the nail about this change. I dont want to be late on my payment and dont want late charges. Please advice 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 explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NY
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/22 I sent a Dispute to all 3 Credit Bureaus regarding XXXX XXXX I did not get a response from Experian and XXXX because I had forgotten to put my social security number and DOB. XXXX investigated that dispute, and there results yielded a deletion of the account. It is my understanding that if a credit bureau deletes an item, they are supposed to notify the other bureaus. 

On XX/XX/22 I sent the attached letter with my correct personal information. In that letter, I included the results from XXXX. Both Experian and XXXX have responded " Verified as Accurate '' However, did they even consult with XXXX? They deleted the account for a reason. I would assume if XXXX deleted the record, that there is some reason for the deletion and it should be concluded that the same should result from XXXX and Experian. I feel as if I did not have a thorough reinvestigation and XXXX and Experian did not consult with XXXX at all. 

I also certify, that I am Indeed the Consumer submitting this complaint and not a 3rd party or credit repair company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried and tried to reach Ocwen/XXXX XXXX XXXX. I have called repeatedly, waiting on hold for sometimes 1hr then abruptly dosconnected- I have sent several emails, to include a modification application and never get a response. I have requested 3times via US mail, a in person meeting to discuss my options - or even get a pay off amount -

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our firm handled a closing for on XXXX/XXXX/XXXX. On the day of closing, we had a payoff statement from XXXX showing an amount due good through XXXX/XXXX/XXXX. Interest was calculated and added through XXXX/XXXX/XXXX and our check was sent to XXXX in the amount of {$160000.00}. After two weeks passed and the check had not cleared our bank, I contacted XXXX and was told the check was received, but the loan was transferred to Shellpoint, along with our check. Our XXXX tracking notice shows the payoff check was received by XXXX on XXXX/XXXX/XXXX then forwarded to Shellpoint on XXXX/XXXX/XXXX. Shellpoint received the check on XXXX/XXXX/XXXX. I contacted Shellpoint and was told they would have to research the missing check and it would take XXXX business days. When I called back, I was told the payoff was short, and that a payoff statement from XXXX XXXX XXXX firm had been sent to our firm on XXXX/XXXX/XXXX. I was able to find the payoff statement from RAS in our file, which was entered after closing on XXXX/XXXX/XXXX ; so we were unaware XXXX XXXX was involved until after closing. When I spoke to XXXX about this second payoff that was sent to us, she confirmed it was sent on XXXX/XXXX/XXXX, and that because it was sent to us after our closing date, the initial payoff statement from XXXX would be honored. 

I talked to Shellpoint again and was told they would send me a payoff statement so that I could resend a check. I also contacted XXXX XXXX on the XXXX and was told I would receive a payoff statement as soon as possible. Finally, on XXXX XXXX, a representative from Shellpoint called me and left a voicemail. I returned the call and left a voicemail. XXXX XXXX with Shellpoint called me today told me that our payoff is short by {$4000.00} due to the accrued interest- which is a direct result of Shellpoint 's refusal to resolve this issue. 

Shellpoint has refused to provide our firm with an explanation or a written payoff statement ; and is instead, attempting to add an additional {$4000.00} to the amount due.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TD BANK US HOLDING COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
TD Bank NA decides to close my account for digital fraud. I still have roughly XXXX in the account still and they have yet to cut me a check or wire it to me. 
Their reasoning was for not giving me back my money was I have to physically go to a branch to get back my money. I am not sure if TD knows but there is a global wide pandemic going on and traveling across countries is impossible. 
I was redirected to their " Demarketing '' Department but was left on voicemail every single time I call that line. They prompted me to tell them my reference number ( which I was never given and when requesting for one, they don't know what it is XXXX, my account number, phone number, and best time to contact me. I have provided them with all the information I can give, but to no avail, they have yet to contact me. I have tried emailing them, calling them, and even went to my local XXXX home branch to try resolving this issue but TD decides this was not worth their time. It has been almost a month and I have finally received a letter from their head office saying my account and relationship with them are closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview loan services. I submit my loan modification with them for last three months as of XXXX/XXXX/XXXX Its still pending even though its still pending they already set a date XXXX/XXXX/XXXX of my home sale ( foreclosure ). i talk to XXXX XXXX XXXX XXXX they prequalify me and willing to help to but they need 21 days to do this so they ask me to ask my lender to postpond my sale date for few days and i did call bayview loan services and ask for the postpond date and they are not doing it. they are doing my loan modification which is still not done yet and at the same time they have my home sale date set already which is compleately prohibited in california homeowner bill of rights. i even told about this law to one of their manager XXXX and she said their is no such law where all my other resources i checked with they said this law does exist. so my complaint is to have them postpond the sale date of my home which is XXXX/XXXX/XXXX. 
regards XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation