BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: Applewood Funding Corporation
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I applied for a 2nd mortgage of {$25000.00} on a home I own to do some upgrading in anticipation of XXXX grandsons living there while attending the University of XXXX starting in the XXXX of 2019. The property is used a rental in the meantime, I learned at the closing for the first time, the lender, Applewood Funding Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, was requiring, without explanation, a " concurrent payment '' of both the 1st and 2nd. I was subsequently advised in writing by XXXX XXXX, President of Applewood that '' RESPA does not have any forms for disclosure of concurrent payments '' despite it being a material term to the loan origination. 
I complied with concurrent payment requirement by enabling ACH electronic payments on the 1 of each month. I began to notice that the underlying loan payment was arriving perilously close to late date of the XXXX. and as a result am making the 1st payment electronically with proof of payments to Applewood. Applewood has refused to provide a copy of the credit report obtained for the original loan approval. 

The Loan was assigned to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX AZ,, XXXX and according to email from the servicing agent XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX AZ XXXX, " Unfortunately, the Lender does not wish to grant us permission to release the actual email sent to us " ( regarding my resolution request below )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently received a letter from XXXX XXXX XXXX to validite the debt on my mortgage. I've requested a mortgage modification with Caliber Home Loans and I have not received a modification documents. I did speak Caliber customer service regarding my modification request. I was told they made a private mortgage insurance claim for over {$20000.00} I questioned why were they making that claim when I was only a few months delinquent I was told by customer service, Caliber Loans they were going to escalate this issue to upper management because they should not be making a claim for that amount when I was only delinquent for a few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: SYNCHRONY FINANCIAL
State: LA
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 a XXXX card that was serviced by synchrony bank it was charged off XX/XX/XXXX. I have disputed this numerous times with all three credit bureaus and syrchrony bank. The payment history is not accuracy. It shows no data until the charge off on XX/XX/XXXX then shows current on XX/XX/XXXX and XX/XX/XXXX. Then no data after that. This whole account needs to be deleted from credit reports due to none of my on time payments being posted. Also does not have exact charge off date.

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 2019-01-29
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set up a payment arrangement with Genesis Credit Management the beginning of XX/XX/XXXX. The account rep in charge at the time ( XXXX XXXX ) offered me a deal that stated I would make weekly payments to the account until I paid off half of the full balance and, at the time it would be considered paid and closed and would be deleted from my credit. I have continually made weekly payments from $ XXXX {$250.00}. The rare occasions I had to change the amount or could not pay I called in advance and made the arrangement, and each time I verified it would not void my offer and was told it would not. A payment has never bounced. My account rep has changed numerous times due to ternover at the company but, I have Verified numerous times with each rep that the original offer still Stands, and have always been told yes. That once I paid half ( around {$4500.00} ) it would be closed and deleted. I have asked if I needed something in writing and was told no because, everything is recorded and there are full notes on the account. Less than a month ago when they called to renew my payment arrangement the woman I spoke to ( I believe XXXX XXXX said she was assigned to my account, and that by XXXX I would owe less than {$800.00} which, I agreed to pay with my taxes and the account would be closed and deleted from my credit. This past week I called to adjust my payment arrangement due to a layoff, and XXXX told me that come XXXX I would pay {$4500.00} to close it. I informed her that wasnt what was agreed upon and she directed me to a supervisor. I spoke to him ( XXXX XXXX ) about the Issue and he said the original guy that offered me the deal shouldnt have. I said that wasnt my problem and that Ive alwahs verified the terms with each new rep. He said he could take 55 % of the remaining balance which is {$1900.00} and that because it wasnt in writing he would not honor it. I told him I have worked XXXX XXXX XXXX XXXX XXXXt and that, what is stated on recording needs to be withheld. He informed me that he would not check the recording and that he would note on the account I want taking advantage of the settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: EQUIFAX, INC.
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: Problem getting your free annual credit report

Complaint:
XXXX XXXX XXXX says XXXX. And Equifax can not submit my credit. Send to to lock and alert which requires money and sends back to annual credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: ONLINE Information Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ONLINE NOW MUST DELETE INVALIDATED INQUIRY FROM XXXX XXXX AND FURNISH A DELETION REQUEST NOTICE TO US TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Reverse Mortgage Solutions, Inc.
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife applied for and received a reverse mortgage in XX/XX/XXXX and diedXX/XX/XXXX. I then tried to get " non-borrowing spouse '' status with the reverse mortgage company so that I can remain in the home that my wife and I occupied but the reverse mortgage company denied me. They first requested documents from me that they should have had like the insurance declaration page ( I sent that to them 5 times ) and then they asked for a Tolling agreement which I provided. They then said I need to make repairs to my home ( some of which were unfounded repairs ) and then they said they did an appraisal and the appraiser noted repairs inside my home but I had never met with an appraiser who would have had the opportunity to enter my home. They are now saying that I need to sell the home or take a deed in lieu. I have been treated unfairly by this company ( Reverse Mortgage Solutions , Inc. ) and I feel that they are denying me without just cause

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it maXXXX concern my name is XXXX XXXX I have a mortgage with United Bank we have gotten behind 4 months due to illness in the family the total amount is somewhere in the {$8000.00} range I sent XXXX in the balance is XXXX which they want paid by the end of the month I believe I can do that by borrowing etcetera however in doing a little investigation I find that I can't even sue the bank that Mr XXXX signed a law in saying that the bank is held harmless for anything it does so since they have Deep Pockets and the government has no teeth I really think you should represent The truth to people the bank 's win poor get poorer what I will be doing since I'm a small business owner struggling to survive is laying off employees so that I can make the payment and then those employees can go on the government Dole as you can see the system is crazy I guess I'm not asking for any help because you can't offer any what I'm hoping is that you would tell people that so that you don't instill false hope in people who can't come up with the money if they absolutely have to when their loved ones are sick my goal is just to get that information out do people who think they have rights where a bank is concerned big money has Wright 's small people don't simple as that we better start accepting that But now I see why the XXXX  are taking over the Congress they've had enough

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CITIBANK, N.A.
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 the following inquiries on my credit report that doesnt belong to me. 

1. ) XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used 2. ) XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific 3. ) XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY

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 2021-10-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
One XX/XX/XXXX I made my XX/XX/XXXX mortgage payment in the amount of {$1400.00} to XXXX XXXX. They cashed this check on XX/XX/XXXX which was deducted from my checking account. I have a copy of the check from the bank that shows XXXX cashed it as well as my bank statement that shows the withdrawal. XXXX reported to the credit agencies, XXXX and Equifax that my mortgage was past 30 days late. I contacted XXXX to get this resolved and have not received a resolution. I filed a dispute with Equifax and XXXX and provided proof from my bank and my bank statement that shows the check was cashed 6 days later. 

On XX/XX/XXXX Equifax finalize their dispute which indicated that XXXX verified that the information they submitted was correct. I don't believe that Equifax reviewed the documents I mailed in regarding my dispute if so how in good faith could they have accepted the verification from XXXX XXXX. XXXX XXXX clearly falsified this information which has now impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: JTM Capital Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX : My father received a call from a XXXX XXXX stating I needed to call her by the end of business, that it was urgent, urgent, urgent! She left a phone and case number.

XX/XX/XXXX : I called XXXX XXXX, she informed me that she needed to get some legal documents to me and asked me if i still lived at a previous address. When i said that i didnt live there she advised me to call XXXX and give them the case number. She stated she will hold off on delivery since i wasnt aware of the documents. I called and spoke to a XXXX XXXX ( XXXX XXXX ) who informed me this was an attempt to collect a debt from XX/XX/XXXX for a  mattress ( {$2700.00} ) I purchased and didn't finish paying. His tone was very forceful and after some going back and forth i agreed to a payment plan for the balance of {$930.00}. I gave my credit card info to process the down payment of {$39.00} on XX/XX/XXXX, which was drafted. At that time I thought a recurring auto draft for biweekly payments of {$39.00} was set up. After the payment was processed, the call was ended. I called back to obtain a letter or anything with the agreement as well as to thank him for his patience and working with me and he said he would send an e-mail. E-mail was sent and received. The next payment was due XX/XX/XXXX, but did not draft from my account. I intended to call them to find out why the payment wasn't taken out.

XX/XX/XXXX : My coworker rcvd a call from XXXX XXXX. When I got on the phone he said he was calling regarding the arrangements i had with his office, i immediately recognized his voice and asked if i could call him on my personal cell phone. He provided the XXXX number and i called about 15 minutes later, nobody answered the phone. I called several more times, got a voicemail once and left my information for a call back. ( Mind you this was not XXXX XXXX 's voicemail ) I called twice more and on one occasion it went directly to hold music. After holding for several min. someone picked the line and hung up. I called back and the same thing happened. After that i began to be suspicious and researched " XXXX XXXX '' and JTM Capital Management , LLC. After finding many complaints about this company, I feel like i have been scammed. The debt is very old and may have already come off my credit report so I don't think I need to pay these people.

XX/XX/XXXX XXXX - Called the number again and a XXXX XXXX answered. I only wanted to find out if XXXX XXXX would answer. After printing the letter that was e-mailed to me, it has my old address, which most creditors would have asked for the correct updated information. The letter does not even look official, fonts are different as well as some basic punctuation missing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked and alarmed when I received my credit report. 

Creditor : XXXX XXXX XXXX  ACCOUNT # XXXX I was never late 30,60,90 days on the date ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.

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 non-monetary relief
Consumer complaint received 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked and alarmed when I received my credit report. 

Creditor : XXXX XXXX XXXX  ACCOUNT # XXXX I was never late 30,60,90 days on the date ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.

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 2018-03-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Citizens Bank with a promotional coupon that promised to give me a {$200.00} bonus if I met the terms. The terms were to set up direct deposit and have one direct deposit of {$500.00} or more, to not have been a primary signer on another checking account in the past 6 months, and to have an account in good standing. All of these terms were met, and I called the bank repeatedly after the 3 months that they told me it would take to receive the bonus. I have not received the bonus after more than 6 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20
Company: Phoenix Financial Services LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 I received a letter from Phoenix Financial Services claiming I owe a debt to ACH XXXX XXXX XXXX XXXX XXXX. Not knowing who that is I went to the companies website listed on their letter only to see that their website does not exist. Questioning this is a fraudulent company. I called the number listed on the letter and a woman answered and made no attempt under the FDCPA to Identify me nor read me the required FDCPA Disclosure ( mini-miranda ). I informed her I was an attorney specifically in the collection industry and requested documentation of services as defined in the New Mexico ( state of my residence ) Patients Debt Collection Practices Act. She said I was making that up and she only adhered to the " Fair Credit Act ''. I asked if she was referring to the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ), she replied " the law of the land ''?? Assuming she is not trained as a collector I asked for a Compliance Manager. Another woman came on the line and stated that the Medical Center in question was in Omaha NE. I informed her I live in New Mexico, not Nebraska.  She said she did not know much else. I asked for statements, she asked if I wanted to pay my debt. I outlined my dispute and complaint and she told me to get an attorney and hung up on me. 

** '' Get an attorney '' would be inferring to the least sophisticated consumer a threat of legal action. 

XXXX*The 1st rep did not state the FDCPA disclosure, mini-miranda **Refused to provide statements outlining services as dictated under XXXX XXXX Debt Collection Practices Act **My Dispute was not accepted and this debt is reported to my credit bureau. 

*****The letter was sent from a known 3rd party vendor, deemed a violation by the 11th Circuit decision of Hunstein v. Preferred Collection stemming XXXX 's of " XXXX '' type cases to be filed in every court. 

Pre-Suit Demand 1. Waive this debt 2 Delete this credit reporting 3. Restitution of {$1000.00} per violation outlined above. 

Truly XXXX XXXX XXXX

Company response to consumer: Closed with explanation