BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PREVIOUS COMPLAINT : XXXX SUBMITTED ON XX/XX/2019 Our present offer of a price at {$290000.00} that does not request seller concessions is beyond reasonable and shouldnt be declined when your own BPO value is less and values the property at {$280000.00}. CFPB has regulations in place to enforce servicers/investor to allow foreclosure alternatives such as short sale when a fair market value offer is presented. 

When we submitted the current buyers original offer of {$290000.00} which included a request for 3 % seller concessions ( closing costs ) and you said the 3 % they requested wouldnt be approval so in return they removed their closing costs request and because of that reduced the offer amount as they are not willing to pay so much above the market value when having to pay so much out of pocket in addition. 

I have attached the offer and supporting documents again to the reply. I ask that you PLEASE SUBMIT and encourage approval. Our present offer of a price at {$290000.00} that does not request seller concessions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Credit Center, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from " XXXX '' of XXXX stating that I owed {$20.00} due to an unpaid medical bill from " XXXX XXXX XXXX XXXX. '' After calling and speaking with them and making it clear that I have never visited a place called " XXXX XXXX XXXX XXXX '' she said " Well, we have your name, your birth date, how else would we get it? '' I made it clear that I was not paying until I found out if this was legitimate. She gave me the date of service but said she " had no other information. '' I called my doctors office, confirmed that I had visited on that date, paid on that date ( as per my credit card statement ) and that I had no balance due. I believe this company is simply attempting to collect money from anyone who will give it to them, regardless of whether debt is owed or not. The letter I received from them states that there will be a delinquency on my credit report if this is not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: SecurityNational Mortgage Company
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Me and my wife ( XXXX & XXXX XXXX ) Have been working with XXXX for a few years getting corrected to get a loan. XXXX told us to mean times sitting down with XXXX XXXX and XXXX XXXX and XXXX XXXX we can get financing with him and don't go anywhere else. I did everything That he asked me to do. the loan would be under my wife 's name, she had at the time between 690 & 700 then he and the mortgage said her income is good and we qualify on Statement Loan. At closing, we told we qualify at {$840000.00} and we owed on the at the time {$710000.00} and give {$59000.00} and get into and installment agreement on the balance We then got a subordination letter we could cost with that. Weeks go by then I see new disclosures at {$770000.00} and he told me we had to come up with the {$59000.00} ( what the mortgage said ) XXXX help me get a subordination. then XXXX said we have to come up with the XXXX or get them to let you close with zero at closing and we can do the loan. I got XXXX XXXX and he did the subordination letter XXXX at to the IRS.

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: 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: Information belongs to someone else

Complaint:
Ive checked r my credit report and I saw some collections that were on there. It says that I owe you guys a lot of money but, I dont know what its for. Can you please let me know where this is from and how do I owe this to you? My XXXX XXXX is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

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 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion, XXXX and XXXX refuse to place fraud alerts on my credit bureau accounts and freeze all inquirees and attempts to gain credit. I had alerts on all 3 to freeze my reports and apparently someone figured out a way to ignore that. 

Today I received word that there have been fraudulent attempts to apply for credit in my name at both Transunion and XXXX. 

I received notices from both XXXX XXXX and https : //opm.gov/cybersecurity that my identity was being compromised. I called one of the banks listed on the Transunion and found it was XXXX. I talked to XXXX in the XXXX fraud department reference number XXXX. They had a hard inquiry that someone attempted in my name. They deleted the record and reported the fraud to Transunion. They said they would send me a letter and that I should hear from Transunion in 30 to 60 days. Transunion refuses to take my calls and refuses to authenticate me online! 

Today XXXX notified me of 2 fraud attempts to gain credit on Experian. Same problem contacting them. info below : -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX Not sure what this is? Contact XXXX -- -- -- -- -- - XXXX obtained a copy of your XXXX Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone BYMAILONLY Address XXXX XXXX XXXX XXXX, OH XXXX Company XXXX Not sure what this is? Contact XXXX Please make all three credit bureaus ock my reports for 7 years! OPM notified me over a year ago that they had compromised military and civilian data to include mine. Clearly I am now a Identity Theft Victim.

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 2019-04-17
Company: Flagstar Bank, N.A.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred to flagstar bank, I paid my XXXX payment, and clicked the enrolled in autopay button. After clicking the button, I received this message : AutoPay will be available when your next payment due date is after today 's date. 

I got a text this month after the payment late fee date that I did not pay on time and received a late fee. When I called and contacted the bank, and let them know Autopay should be setup, they said it wasn't. I shared my screen with them, and they said you didn't enroll in Autopay, even though the message above was flashed. My bank account information is store, so Autopay was enacted. They received to current their late fee or make any attempt and helping a loan which was involuntarily transferred to them, even though my efforts and understanding was XXXX setup autopay. As a result, they refused to remove the {$84.00} late fee for their organization 's missleading website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a letter from a debt collection agency on XX/XX/18 for 2 student loans, totaling > {$50000.00}. I was not informed by the lender by phone, mail or email that this was an issue that was being sent to collections. I was previously on a reduced payment plan of $ XXXX. After speaking with the lender directly today, I am told this repayment plan is only effective for 3 months and can be renewed for an additional 3 months, with a limit of 6 months total for the entire life of the loan. When attempting to set up this repayment plan, the lender representative informed by that I must also pay back the entire past due amount of {$2100.00} to make my account up to date. When I expressed that I was happy to make an alternative arrangement, and that this option is not financially feasible and does not give me enough time to get up to date before the expiration of the repayment plan in 3 months, I was told that there are NO other options. When I attempted to make a good faith payment to attempt to find time to write a letter to the lender to resolve the issue, I was referred to the website, as I was unable to make a debit card payment by phone. I had my checking account information saved on the site ; when attempting to make a web payment, there was an error. ( A representative told me that there are " issues '' currently with the payment system and I may not be able to successfully make my good faith payment today ). I explained that my excessive financial obligations far exceed my income, and the fact that they have sent me to collections now impedes my ability to make credit purchases or take additional loans for emergency situations. I have XXXX small children and am looking for additional employment and need to buy a reliable car in order to continue to work and make payments to my lenders ; this report to debt collection has now likely impeded my ability to do so, and thus it will be difficult for me to maintain my current job, as well as obtain additional employment, and take care of XXXX children as a single parent. Despite multiple attempts to make a resolution, this lender has told me there is nothing that can be done. Please help me to remedy this situation, I would like to set up a modified repayment plan with recurring automatic payments, but am told I have no options. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Dovenmuehle Mortgage, 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: Investigation took more than 30 days

Complaint:
Paid for a XXXX  membership to keep my credit report accurate and up to date.This membership has not been honored as i've recently had issues with disputes on my personal credit report with missing information. The company has stated that this information has been reported prior to XX/XX/2020 to XXXX. Information has not been updated by XXXX  timely, and XXXX  has not responded accordingly in the three previous CFPB complaints. This is unethical and is a violation of the FCRA. Investigation has took longer than 30 days on multiple instances with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021, i sent Equifax about inaccurate and incomplete items they are reporting on my credit report. This notice is to inform you that you unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Michael & Associates, PC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX received Notice of Levy from XXXX XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 Bankruptcy : Discharged XXXX XXXX Bankruptcy : Discharged 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 2017-11-29
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX I noticed a collection account had been placed on my from XXXX XXXX. This was the first time I 'd heard from them about this debt. That same day I sent a debt validation letter via email as they said this was how they communicate. On XX/XX/XXXX, I received a letter asking me to fill out a form for identification fraud claim I made through the credit bureaus which I never did. Also, on XX/XX/XXXX between XXXX and XXXX XXXX I called  XXXX XXXX to discuss the papers sent to me about this fraud claim. A phone agent claimed I had no right to a debt validation letter from XXXX, because it had been past the 30 day window of time from their first contact, after that they proceeded to make an attempt to collect on the debt from me by telling me I had only two options which was to pay the debt or make a claim that I have no intention of paying it. They also continued by claiming that I had received XXXX 's initial letter though it was n't sent certified mail. I told them that I had not received the initial letter, the phone agent accused me of lying implying that I had received it, the phone agents implication was an attack on me in order to disgrace me. 

They further continued by stating I had no rights to dispute this debt anymore because the original creditor told XXXX it was valid, which I still have no proof of. They continued trying to collect on a debt by bullying me, despite the fact I still had not received debt validation, and demanding I remit payment or make a statement acknowledging the debt by refusing to pay it. When I kept insisting that I 'd like the information that I requested from my debt validation letter they hung up the phone in my face. 

These actions by XXXX are grossly negligent and against the Fair Debt Collection Practices Act. A collection agency may not use any false, deceptive and misleading means in connection with the collection of any debt. Nor can they use implication that the consumer committed certain conduct in order to disgrace the consumer.

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 2021-05-05
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
since transfer from XXXX have been recieving incorrect payment amounts. i have paid XX/XX/2021 payment XX/XX/XXXX, stated not recieved?? paid again today XX/XX/2021 amt XXXX ... ... ... i have a first responder firefighter XXXX homestead exemption. should be only charged for garbage and other misc aprox XXXX dollars per year!!

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 2018-06-10
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a written notification of a debt that I have nothing to do with.

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 2020-06-06
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am stuck in XXXX because of Covid. My phone was damaged and I lost my 2 factor authentication on my phone. So, I tried to reset it with Coinbase. That is when the nightmare began. It was a process of endless repeating copy and past emails from Coinbase. The company is unable to send a confirmation code to my phone. This is their problem not mine. I requested that the company return my funds to my bank account - since I am locked out of my account - and they are unable to fix the situation. Coinbase stopped responding to my emails at that point. I have sent many angry follow up emails and coinbase does not respond. This is a terrible and unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The FDIC closed Washington Mutual Bank. 

I needed to stop paying my Washington Mutual Bank loan because of the halting of federal dollars for highway design engineering projects. I am a civil/highway engineer. 

I am NJ XXXX XXXX. My case was dismissed. 

The writ of execution was issued by the US courts sending my foreclosure into a Sheriff 's sale. 


My home was sold at a Sheriff 's sale to a third party. The Writ of Possession for the Sheriff 's deed was returned unexecuted. 


The XXXX County Clerk 's office in New Jersey filed the Sheriff 's deed. The property was sold for a profit. 


XXXXXXXX XXXX  executed a XXXX XXXX XXXX mortgage on a property where the Writ of Possession was returned unexecuted. The XXXX County Clerk 's office in New Jersey filed the new property deed and the XXXX XXXX mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Experian Information Solutions Inc.
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 disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXX XXXX XXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX  XXXX XXXX Account # XXXX - I have always paid on time, the 120,60 and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.

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 2017-11-29
Company: Servis One, Inc., Titusville, PA Branch
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX issued an ACT 91 order for the amount of {$4900.00}. I called on XX/XX/XXXX to discuss payment options. No one returned my call. I called on XX/XX/XXXX and was informed that my case was transferred to a new Point of Contact Person and given his voicemail. I left a detailed message. He finally called back on XX/XX/XXXX ( 9 days! ) Unfortunately I was at work and was unable to answer. I called back later that evening and got his voicemail again.. No call back. My breach notice expires today. Guess who I finally got to speak with? According to him I need to send XXXX by the end of business today in order to put a forebearance into effect. Had someone offered this weeks ago when the first call was placed it would n't have been an issue, I could have secured the funds with time to spare. Now I 'm going to lose my home because they do n't return phone calls

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