BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-13
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We started the loan modification process XX/XX/2019 with XXXX. We were turned down but re-applied with more income information. We contacted ( or  tried to contact ) XXXX numerous times, but the loan modification was not resolved by XX/XX/XXXX when PHH took over. Our loan payment has jumped from about {$1600.00} a month to approximately {$3200.00}. 

We followed instructions to wait 7 days after XX/XX/XXXX to contact PHH. Here is what happened from XX/XX/XXXX until today, XX/XX/XXXX : XX/XX/2019 Called re loan modification and PHH login help. Couldnt log in. The person I talked with said theyd connect me with the website people but after about 20 or 30 seconds, the call ended. Didnt get the reps ID. 25 minutes XX/XX/2019 Called again to try to talk to website people. On hold for 8 minutes so I am calling another customer service number XXXX-XXXX-XXXX  Spoke to XXXX, ID XXXX. He tried to transfer me to our relationship manager. RM didnt answer. 

XXXX said only our relationship manager, XXXX XXXX, can talk with us, no one else. Suggested calling Monday because XXXX doesnt work on Saturdays. XXXX-XXXX-XXXX, ext XXXX ( which turned out to be the wrong number ). 

Next I talked with a web person ( XXXX XXXX ) because I had trouble logging in. Fixed it. 30 minutes. 

XXXX-19 Called for XXXX XXXX, but he wasnt available. Scheduled appointment for Tuesday, XXXX-19. He will call between XXXX and XXXX XXXX. 

XXXX-19 No call from XXXX XXXX. Sent him an email. Called again. Spoke with XXXX ( ID XXXX ). She said XXXX XXXX extension # is XXXX, not XXXX as XXXX told me. Got shuttled back and forth. Spoke to XXXX ( ID XXXX ) who tried to put me through to XXXX XXXX. Spoke with XXXX ( ID XXXX or XXXX ). Asked to speak with supervisor. XXXX emailed the supervisor and someone is supposed to call within 24 hours. Spent about 90 minutes on the phone. 

XXXX-19 No call from XXXX XXXX or anyone else. Its now XXXX XXXX in New Jersey. 

Logged into our PHH Mortgage online account and tried to access the Homeowners Assistance Portal, but that apparently takes a DIFFERENT password which I dont have. I got this message : You are about to access a secure website that will help you submit and process your request for assistance with your mortgage - i.e. loan modification, short sale, etc. By clicking 'OK ' you are leaving XXXX and entering a website owned, controlled and operated by a third party. This link has been provided for your convenience for submitting information for review. 

I understand this is a transitional time, made worse by the layoff of 2,000 employees when XXXX and PHH were combined. We can not get through to anyone to resolve this issue. We would like to escalate the request and request a temporary forbearance for a few months and be allowed to make our former payment amount until this all gets sorted out. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EVERBANK, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
IRA Requested transfer rollover From TIAA to XXXX. Advised of CD Maturity XX/XX/2021 Process initiated XXXX, XXXX. Within 10 day grace period. Tranfer forms by USPS, FAX and XXXX  XXXX. 
I am dealing with XXXX initially spoke with multiple Client specialist with little information. 15 plus calls to TIAA. Average call duration 45 mins. Multiple holds for greater than 15 mins. 
Others at TIAA ; XXXX XXXX, XXXX XXXX and XXXX XXXX. 
-No holding money market or cash account available at TIAA for mature CD for IRA 's according to Client specialist by phone. 
-TIAA Rolled over my IRA into an extended 42 month CD against my wishes. 
-Initial email from TIAA requesting XXXX signature not received. My requested copy of email sent on XX/XX/2021. This delayed processing. 
-Inconsistent information. Always " no penalty if transfer/rollover process began within 10 after IRA/CD maturity. 
-Now penalties imposed going back pre-renewal of Bank imposed CD renewal. 
I should not have penalty fees after interest earned was credited to the Original EverBank 42 Month Bump Rate CD. I did not want the New TIAA bank to extend the CD another 42 months. They forced the renewal due to the lack af a cash/money-market account for IRA/CD 's at maturity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
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/20 at XXXX I contacted Macys XXXX started bring account current and they will remove negative. Contact credit department after 48 hours of bringing account current XXXX 9-5. I contacted them several time by phone and mail

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 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX XXXX, DEPT OF ED/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 2018-09-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and there are multiple issues with inquiries that are negatively impacting my credit. I don't recognize inquiries from : - XXXX/XXXX, XX/XX/2018 - XXXX  XXXX, XX/XX/2018 - XXXX, XX/XX/2018. 

In XXXX applied for a mortgage with XXXX XXXX, but I have over 5 inquiries from companies that I don't recognise : - XXXX, XX/XX/XXXX and 1XX/XX/2018 - Informative, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 I do not know where these inquiries but they have really damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: AMERICAN EXPRESS COMPANY
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In ( I believe ) XX/XX/2018, my XXXX XXXX XXXX card switched to AMEX. I received some communications re : this transfer, but I never received my card. I continued making payments to XXXX, until I received a bill from AMEX. I tried to call AMEX to  make my payment, but I needed my account number to get through to someone ... which I didn't have because I never received my card. I could also not login online to make a payment for the same reason. I went ahead and scheduled the payment through my bank using the last four digits of my account number, which is all the bill provided me. This payment was never processed and after several months my bank informed it was returned by the payee. I did however receive a late notice from AMEX and finally was able to contact someone to process my payment. They removed the late fee, but I believe this may have negatively impacted my credit report. They refused to tell me if it did or not, but my credit score did drop in spring 2018. The transition from XXXX to AMEX was not done well -- the calling/login systems should not be dependent upon receiving the card. I'm stationed overseas with the XXXX and we often have delays in receiving mail or do not receive mail altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: PA
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:
All 3 credit bureaus ( Equifax, XXXX, and XXXX  ) have not responded to my letters since XX/XX/2020. 
XX/XX/2020 a debt verification letter was sent out to the bureaus and I received no response well over 40 days. 
I tried to be understanding due to the pandemic so XX/XX/2020 I wrote another letter to them stating due to them never responding to my letters by law they have to delete the accounts in question and its now XX/XX/2020 and I still haven't received any response from any of the 3 major credit bureaus ( Equifax, XXXX, XXXX  ). 
I'm usually a very understanding person but this is just XXXX. My credit is very important to me and right now the negative items in question are hindering me and my family from being able to move forward in life and I feel like the Credit bureaus aren't taking my request serious. This has to be against the law. I have went 115 days with no response from all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: Harvard Collections, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
COLLECTOR HAS VIOLATED ALL CONSUMER PROTECTION LAWS THE LAST ONE WAS S.O.L. EXPIRED ON SAID DEBT SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage account with Bank of America shows a payment overdue in the account and XXXX, XXXX and XXXX statements. However, we made all payments between XXXX to XXXX of each month and the statements also reflect that. We reached out to Bank of America on XXXX. They accepted its a glitch in their system, and created a case number, saying it will be resolved in 10-15 business days. After it was not resolved within the said timeline, the case was escalated multiple times during the many phone calls to resolve this issue. Its been more than 6 weeks and the issue is not yet resolved. Currently, we are in the process of refinancing through a different lender, which we have informed to Bank of America. We need this issue to be resolved before closing refinancing. 

In addition, BoA has cancelled our mortgage auto-payment saying the delinquency in the loan disqualified us from using this service. Earlier in XXXX, we received a letter and online notice informing this service will be cancelled and the payment should be made via check, money order or cashiers check. Starting this month, they have actually cancelled the mortgage autopayment service. In addition to this we have gotten calls, mails, emails and online account notices warning that our payment is overdue, and we need to pay immediately. Whomever calls, I tell them to carefully look at the account to see if we missed payments, Then the caller will acknowledge that its their fault and the whole wheel spins again.

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 2020-11-12
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please read my correspondence to NJ Lenders. I did not request public information I requested proof of payment from NJ Lenders to XXXX XXXX XXXX XXXX ( XXXX  ) satisfying the original purchase mortgage when I refinanced in XXXX. I am being charged astronomical costs that do Not start at the point of refinancing. I have repeatedly requested proof that the original purchase XXXX XXXX XXXX XXXX  mortgage and the amount paid. I have received absolutely nothing at all not even a trace back to XXXX. Does NJ Lenders expect a client to pay a grossly inflated amount and produce absolutely no backup information and dictate an amount owed. Please look at the attachment and examine the facts. 

NJ Lenders has recorded many public records. NJ Lenders has failed to record transaction records such as the lien release of my original purchase XXXX XXXX XXXX XXXX ( XXXX ) mortgage along with the satisfaction and discharge of my original purchase XXXX XXXX XXXX XXXX mortgage that clarifies the amount paid to XXXX finalizing the pay-off. Your response merely references the recording and perhaps the filing of public records that does not mean a XXXX was paid to XXXX XXXX XXXX XXXX  and I can end up paying astronomical inflated costs without any paper back up. I have requested the same information and NJ Lenders continues to send me non transactional records. Please take a look at the attachment. It appears that NJ Lenders did not pay off my mortgage. The XXXX property records show the bank XXXX XXXX and XXXX while the records NJ Lenders has filed claim XXXX XXXX is the bank, where is the XXXX XXXX XXXX  codes? Take a look at the XXXX mortgage interest statement XXXX XXXX XXXX XXXX lists the LOAN SETUP as if the XXXX XXXX XXXX XXXX Mortgage was not paid and NJ Lenders just simply slapped a property lien on my property. I have the cancelled checks paid to XXXX XXXX XXXX XXXX with the account number XXXX written on the checks that include the hazard insurance I paid and it has not been deducted from the pay-off statement. I have the cancelled checks and they will not even deduct the monies paid. So far NJ Lenders has not produced a trace to XXXX XXXX XXXX XXXX  and still claim to have paid off the mortgage. Your response evades producing the lien release that you claim was paid to XXXX. The mortgage was not satisfied and there is no record of any discharge at all. This is very disreputable to say the least. I have asked for the same records and get the same story as if NJ Lenders never paid off anything and simply slapped a lien on my property. XXXX XXXX XXXX XXXX  has not produced any record of the mortgage NJ Lenders has claimed to pay off.

Its clear that NJ Lenders is not able to produce anything at all. PLEASE dont keep send me things that I have not requested. I would like to start a criminal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was a business account that my husband owned

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 2018-03-15
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:
I received a copy of my personal credit report and submitted a dispute letter to Experian to validate payment history for account # XXXX. Experian sent a letter back stating it was verified-not validated. I asked for the names and numbers of who they spoke to validate the accuracy of the account that is reporting on my credit report because this is the responsibility and the law of the credit bureaus whenever reporting any item on my credit report. 

They have not provided the information requested and has the account remains on 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 2018-09-09
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is with XXXX XXXX XXXX, I have bills showing up on my score that have already been paid, they have opened another suit on me for bills Ive paid and have garnished wages again trying to collect money on something that has been paid. Ive tried calling and telling them the situation but they are still trying to charge me again, and now I see them on my credit report. They are calling and harassing me still. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a credit line with XXXX XXXX XXXX with a minimum payment of {$35.00} a month. In XX/XX/XXXX i fell on financial hardship because I was a XXXX year old XXXX XXXX XXXX XXXX and missed a few payments. In XX/XX/XXXX my account was sent into collections because I could not afford to make the minimum payments.

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 2022-08-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XXXX XX/XX/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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, incomplete, and unverifiable information. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting

on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2018-09-09
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have had enough of PayPals lies. I tried to withdraw money yesterday to my debit card and it said it would take 30 minutes to reach my card. Then it was held for review and the person I spoke with at PayPal assured me it would be released by XXXX XXXX today. Now its XXXX XXXX today and the money still has not been transferred. You can not get these fraudsters on the phone since hold times are more than an hour, so they just keep your money against your will. It is disgusting.

Company response to consumer: Closed with non-monetary relief