BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: MidAmerica Mortgage Inc
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
1. ) Our Section 184 mortgage loan was transferred from a 3rd party service ( XXXX ) back to " XXXX XXXX XXXX '' in XX/XX/XXXX. ( XXXX XXXX or XXXX is a subset or DBA of Mid America Mortgage . The link to see this information is XXXX XXXX XXXXXXXX ) 2. )  Despite poor handling of our mortgage by XX/XX/XXXX we had hoped that the transfer to a group that understood what Section 184 loans were would be a good thing. So far things have not gone well.

3. ) I have requested an escrow analysis for XX/XX/XXXX; my next mortgage payment in XX/XX/XXXX will throw my escrow balance beyond the 2 month " cushion '' that is allowed by law. The mortgage lender states that escrow analysis will not occur again until XX/XX/XXXX. 

4. ) There is a double withdrawal for the PMI from my escrow on XX/XX/XXXX. I was told over the phone that this was because the original 3rd party service group ( XXXX   ) didn't make these PMI payments in XX/XX/XXXX and XXXX  of XXXX. I have documentation from both XXXX XXXX XXXX and now our new service group ( XXXX XXXX XXXX ) that shows the payments were made. In my opinion this is an attempt to justify theft ; regardless I have evidence against the contrary. 

5. ) XXXX XXXX does not allow anyone to speak with their escrow department. They stated I can email them but emails that go to XXXX have thus far ( since XX/XX/XXXX ) gone unanswered. I received an email on XX/XX/XXXX from XXXX stating that it would be resolved in 48 to 72 hours. This has not happened yet. 

6. ) Attempting to contact XXXX XXXX customer service by phone results in wait times exceeding 1 hour every single time. The last time I was able to get someone on the phone they put me on hold and just hung up on me after 15 minutes. It has been a real treat. Regardless the lack of responsiveness is astounding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Creditor ( XXXX XXXX ) hired lawyer ( XXXX XXXX XXXX, Georgia ) to garnish bank acct. for payment of credit card debt. On XX/XX/XXXX. They had court order due to winning suit. They took everything, leaving me {$0.00} to live on. Frozen acct. I have made repeated calls explaining I am unemployed since XX/XX/XXXX, am a senior citizen, needed to purchase My medications desperately., and all monies in bank were from IRRA! Please help me! I have been without meds, gas, or XXXX cent for one week! All attempts to call attorneys and My bank have been wasted time. No one cares..Please help me! I have had 2 borrow 5 days worth of medication, and can not pay my pharmacy back,! Please, please help me. I am confused, and feel like I'm taking one step forward and 3 steps back! I can not neglect My health any longer.XXXXXXXX XXXX  XXXX does not return calls. 1 of the Agents I spoke with Told me, " it's a done deal '', nothing can be done about it ''! XXXX XXXX ) When asked for administrative contact name and telephone, she hesitantly gave it, but added, " She is NOT going 2 do anything about this ''! Called many times, left message that matter was EXTREMELY important on XX/XX/XXXX, and/or XX/XX/XXXX.No response!! The " hold '' button at this law firm is unbelievable! 
I have spent many hours of what I feel has been wasted time. I need someone who cares about humanity! Do your job, but show empathy. I try to remain calm, but My heart races and I cry uncontrollably! I have no one to help. I am not asking for pity, just help in attaining My IRRA money.i WILL find a job, and pay debts owed, but I NEED medications desperately. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$70.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2020-01-15
Company: Betterment LLC
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Betterment offers investments and a savings and checking they advertise 1.82 % pay and I had {$30.00} and {$10.00} deposited on the 3rd. They say interest calculates and/or compounds daily. I was only issued XXXX cent of interest. I have other savings accounts where I had {$20.00} with 1 % interest rate at competitor banks and received. XXXX. It is an unfair practice that they are not advertising the actual rate. I have many savings accounts with different banks. This just doesn't come out accurate. And doesn't calculate to the near XXXX or XXXX cents monthly for an annual basis. APY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: GA
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:
I sent a letter into all 3 bureas on XX/XX/2021 and I still haven't received any update in regards to their investigation. The letters were in regards to incorrect and unknown things being reported on my credit report. Its been 60 days and there has been no response. I feel like I'm being taken advantage of and being ignored. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These items should be removed promptly. I demand these accounts be deleted immediately or I will file litigation due to the XXXX you've caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying for over a month to get my student loan payments recalculated. Mohela hasnt attempted to make the change, even when Ive called and sent messages through the in box, As of today, my account still shows that my federal student loan payment is {$7500.00} a month. Also, it shows my loans are in deferment until XX/XX/XXXX. Ive completed an application to recalculate my payment and take my loans out of deferment through StudentAid.gov on XX/XX/XXXX. Mohela still hasnt acknowledged it, even when I called on XX/XX/XXXX to check on this. The representative acted as though she didnt know what I was referencing although I stated I uploaded the application in Mohelas portal on XX/XX/XXXX at XXXX XXXX. The payment is supposed to be {$480.00}. I also have copies and screenshots of this as I figured this would happen. All Im trying to do is get my payment amount corrected and restart my payments so they count towards Public Service Loan Forgiveness ( PSLF ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am seeking help to rectify an unfortunate situation involving identify theft and a collection company that will not cease collection attempts after I already supplied them a police report stating identity theft. I received a bill from XXXX a few months that I disregarded, because I am not a XXXX customer and thought it was scam trying to get me to pay. Then, I received a letter from Convergent XXXX stating I had been sent to collections and the debt hit my credit report. I immediately filed a police report ( attached ) and have followed up XXXX times with them to get this resolved. Nobody is responding to my emails and I can not reach their phone system, yet I'm still receiving their letters in the mail demanding payment. This is very unethical and I need help to stop the process so I can remove this fraudulent debt from my credit.

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 2018-12-11
Company: Rosebud Economic Development Corporation
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan with XXXX Loans on XX/XX/18 for {$500.00}. I have since paid a total of {$560.00} ( {$81.00} every week ). After paying more than the amount of the loan I was informed that the payoff amount is {$500.00}, more than the cost if the loan I originally took out!

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 2022-02-23
Company: EQUIFAX, INC.
State: NC
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 having an issue with XXXX reporting a charge card to my XXXX credit saying I am behind on an amount. I did previously have XXXX and as I stated to them they can see I paid everything on time. However, my phone was stolen and the person accessed many of my accounts including XXXX  and charged almost {$4000.00} dollars to my account! I had to contact my bank and close my accounts, I reached out to XXXX and explained the situation to them. They insisted there was nothing they could do but to reach out to the companys. Even with a police report they refused to help me with the account and the companys refused and sent me to XXXX. Ive reached out numerous times with no help. To the point theyve ignored my attempts. I disputed with equifax and XXXX and the accounts were removed. However XXXX refuses to remove it. Even with all the information Ive provided. Its ridiculous I had fraud happen and yet being penalized because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I can not believe I had to request a new card, and you had the one that has been compromised open and still accessible. This is an instance. This still needs to be resolved, the balance removed, and a new card account number issued. 


I ( XXXX XXXX ) sent the email below a week ago, thinking my account was handled as it was at that time. I then got a message the case was closed, but I was responsible for a balance transfer, and they added that back to my account. This is not our balance transfer ; again, fraud was on this account left and right, and you keep closing it, opening it, and allowing fraud. None of the charges, including balance transfer, are my responsibility. This was already over, and you cleared it, but now you have added it back. I have your letter stating this is not my responsibility and would be corrected with all the credit bureaus, but that still needs to be done. The balance transfer needs to be removed. This is not mine and does not belong to me. You had it removed and now added it back. I have sent the hospital stay and XXXX XXXX documents under my care, and I was incapacitated during that time. I had no way for this to occur, which was not ours. You issued the proper credits but recently added the balance transfer, which needs to be removed. We received what we now understand was a fraudulent text message claiming to be Wells Fargo and that the account was hacked or used at that time. It has been past the allowable time to resolve this issue, and I was told it was decided numerous months ago, but it has not been. I was told a new account and card would be issued. 

Please confirm this has been done. I have been in the hospital and will be until the next month. I would like to know if this is handled and resolved before then. 

The violations are still occurring, and I'm receiving collections, letters, and emails for balances that are separate and continue messages. If unresolved, I have reported the violation to CFPB and will report it to the Federal Reserve. This has gone on long enough now and needs to be handled better. I have been a loyal and longtime customer, which has been a challenging and stressful situation that I feel has been mishandled. 

Sincerely, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the accounts on the form are fraudulent and I am requesting immediate permanent removal of these account these accounts opened while i was incarcerated in XXXX XXXX XXXX. you can even call the XXXX XXXX sheriffs office to verify and please remove these accounts unless you have proof to not to and if you do have proof i request that you send it to me. documents are attached. 
XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXXXXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX I REQUEST THESE ACCOUNTS TO BE PERMANETELY REMOVED IMMEDIATLY i have provided substantial proof failure to delete the items i would have to file a lawsuit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When I try to login to my.equifax.com, I get an error saying " We are temporarily unable to complete this request. '' And there are no options to remediate this. I just want to look at my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For several years I have repeatedly tried to access my Transunion report online, to dispute, freeze credit etc. They won't fix the problem and I can't access any of my information. No one will help me. I have repeatedly, called, chatted etc. Initially I was told it was because they were using XXXX ( nickname ) instead of my full name XXXX. I sent in all the proper documentation and my report has been updated but I still can't access any of my information. I have a Transunion account online and every time i try to access anything it tells me Sorry we can not complete your request online. No one will fix the problem and this has been going on for XXXX plus years. We are in the process of shopping for a house and I freeze/unfreeze my credit reports often. I need access to my account and MY information! Please get someone to actually fix this!!!!

Company response to consumer: In progress
Consumer complaint received 2022-02-05
Company: Experian Information Solutions 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:
I've tried several times to have inaccurate information deleted from my credit report, but to no avail. The accounts referenced in the complaint are not mine. After submitting more documentation to prove my identity, I requested that the credit bureaus investigate and update my reports with the correct information, but they have yet to react. Not only are the accounts inaccurate, but they also report on each report in a different way. Account numbers and balances are not only unfamiliar, but they also do not adhere to the standards governing accurate and consistent reporting. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I received a letter dated XX/XX/XXXX that says I was past due on a pay day loan taken out on XX/XX/XXXX. The letter stated that {$1800.00} was outstanding and due. My husband passed away last summer and therefore neither he nor I took out this loan. I called ACE Cash Express and they explained that this loan was taken out online. I called again with my brother the next day and they refused to provide any information about the loan including where the money was actually sent. My brother informed them that the call was being recorded and they still refused to provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
State: TX
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 tried to dispute the inaccuracies on my credit report with XXXX several times and have disputed the information. I receive correspondence saying account for XXXX for example was verified however I never received a copy of a HIPPA letter showing my signature. I have also disputed with XXXX for the inaccuracies and incorrect information on my report showing open on closed accounts which is not under FCRA compliance. This is inaccurate and needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am coming out of forbearance and I am attempting to secure a loan modification. This company, Caliber Home Loans, has been an absolute nightmare to deal with, and I have already filed multiple complaints regarding their communication tactics, lack of accessibility for XXXX persons, and outright harassment. The subject of this complaint is their refusal of my first " trial payment '' for my loan modification. 
I received letter from Caliber that my loss mitigation loan modification had been approved. In order to secure the modification would need to make three trial mortgage payments, which would be due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was also an escrow overage payment, I included a separate check to pay that as a one time payment. I was pleased with the terms of the modification, and sent an email to Caliber to ask how to submit a payment online. XXXX XXXX, a " Single Point of Contact Specialist III '' at Caliber replied that I could not submit a payment online until the loan modification was complete. I thought this was strange, but mailed two checks dated for XX/XX/XXXX, the due date for the first payment ; one the first trial payment, and another for the escrow shortage. 
Today ( XX/XX/XXXX ), I received another letter from Caliber. It said that they were refusing payment because the checks were post dated. It also contained the two checks I had sent them. It also contained a boilerplate response to " call us if you have questions '', but no other information. Per my previous communications with Caliber, I can not and will not speak on the phone with them, so this just added another layer of frustration. I had also emailed them several times between mailing the check and receiving them back to see if there were any issues that needed to be addressed, and never received a response.

This lack of customer service from Caliber has yet again caused me another hardship. I am trying to deal with them in good faith, but Caliber and its employees are continuing to be unreasonable. I really do want to get this loan resolved and current, but I do not feel that Caliber Home Loans is willing to work with me and is just nitpicking to be difficult.

Company response to consumer: Closed with explanation