BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-10
Company: Guild Mortgage Company LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband is a vet and we currently have a VA loan with Guild Mortgage, I am a XXXX XXXX XXXX XXXX and XXXX, and use Guild as my preferred lender. Not anymore!! When my husband bought our house in XX/XX/2017, he had 60 days to claim the property as his primary residency. He unfortunately did not to this, which has most recently caused us to be in a different tax bracket. We have rectified the situation with our local Tax Assessors office and gotten our mortgage company what they need. We were told that we had to make our XXXX payment which was {$1300.00} and we did. Our normal payment is {$750.00}. Guild informed us that our information was being sent over to the tax department to be re-analyzed. This was sent to them on XX/XX/XXXX. My husband and I have been calling and checking in with Guild to find out where they are in the process and what needs to happen to put us back to our normal payment of {$750.00}. We were told that they are waiting on the refund from our local Tax Assessors office before they can modify the monthly payment back. Upon calling our Tax Assessors office, we found that they mailed the escrow refund to Guild Mortgage on XX/XX/XXXX. Last week my husband called to check in and was informed that they are still waiting on the escrow refund. We recently received our statement in the mail claiming we owe Guild over a grand for the month of XXXX. Guild has been sitting on this escrow refund for over 2 weeks, and has yet to re-analyze our payment. We have never been late on a payment and always make the correct amount requested. Every time my husband and I call Guild we are told different things by different people. No one seems to know their head from a hole in the ground there. We feel like we are being drug through the mud, once we figured out the problem at the beginning of XXXX we did all the means to rectify the problem to become a solution. I can not say the same for Guild Mortgage. It is a shame that good customers are treated so poorly, we completely understand that Guild Mortgage footed the payment and wanted to be paid back, which they now have. We also understand that this problem would of never happened my husband would of claimed our home as his primary residency. We are simply just trying to get our monthly payment back to the amount it should be so we aren't forced to make payments that we cant afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX  ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/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 non-monetary relief
Consumer complaint received 2017-12-01
Company: EQUIFAX, INC.
State: KS
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:
I currently monitor my credit reports and scores across several different websites. I use XXXX, XXXX, XXXX, XXXX, and XXXX. On XXXX XXXX I received notification from several of the sites that my Equifax score had gone down over 100 points. Upon logging in to the sites I saw that Equifax had removed EVERYTHING from my credit file but 2 charge offs from XXXX. I immediately contacted them by phone. The representative could not explain what happened but directed me to fax a letter stating that my credit file was missing and to include copies of my social security card and driver 's license. She gave me confirmation # XXXX for the call. I faxed the letter that same day. The next day my credit file from Equifax was reinstated. Two weeks later the very same issue happened again. Again, my credit file was gone except 2 charge offs from XXXX. ALL of my positive accounts were gone. This tanked my score to XXXX again. I faxed them a letter about the issue again on XXXX XXXX, XXXX to have the issue corrected. This time it took a week for everything to be restored. Now the issue has happened again! Again my Equifax credit file is missing all of my positive accounts. I noticed that as the companies re-reported, each one is added but it is not fair to me to have to keep going through this. Equifax has a responsibility to report 100 % accurately and timely. They are not doing that. They are severely hindering my chances of being approved by a lender because my credit file is not reporting all of my positive accounts. With this complaint I am uploading proof of my contact with Equifax about this issue, proof of how this has severely damaged my credit at no fault of my own, and proof of my positive accounts that they other bureaus are reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
we have been making payments to the company and they are not crediting us for the account but still charging us financial charges and then refusing our payments and are not responding when we ask why, we have emailed and talked to them on the phone and still we get no place. its affecting our credit score and our bill goes up and they offer no line of credit, they our a company that bought the loan off XXXX XXXX XXXX. and we never agreed to any terms or did the ever try contacting us

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 2019-04-10
Company: Avant Credit Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a payoff quote from Avant good through XX/XX/XXXX ( attached ) for {$7300.00}. I mailed a check for that amount, which was posted on XX/XX/XXXX. Avant states that I have still have a balance due. I have made multiple attempts to resolve via email and telephone ; including their resolutions team.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/18 I contacted a agent named XXXX from XXXX XXXX XXXX to request a Validation of debt he at first tried to get around addressing my concern. Finally I advised I'm calling to validate the debt rep placed me on a hold for a minute or so to complete the request and then terminated the call

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: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TransWorld Sys Inc, neglected to provide me with verification of account information. When ask representative to provide me the account number with several attempts to settle debt ; if debt is accurate, caller disconnected call by hanging up. I requested the company to provide verification of debt information, and my request was declined by stating, We don't have to provide you with any details, you need to pay your debt. I have made several attempts with this company and to no avail has receive any appropriate responses to verify debt and attempt to settle. Only responses im receiving is TransWorld updatibg information on all three bureaus reporting agencies continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
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: Public record information inaccurate

Complaint:
There is a bankruptcy on all three of my credit reports and the courts said that they don't verify nor supply this information. My reports are all frozen or suppressed so I feel that they have incorrect information as a result of this public record being on my 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 2021-05-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian disregarded my dispute stating that they need authorization when I provided them with all the documents. I am not a third party company. I am myself. I provided proof of my ID, Utility Bill, and a notarized letter stating that it is me that sent the complaint through the Consumer Financial Bureau. I will upload all of this documentation along with my letter citing all the violations of the Fair Credit Reporting Act, Fair debt collection practice act, and the GLB ACT and need to be removed expeditiously from my credit report for these violations. I have cited the violations in the letter I uploaded along with all my other supporting documents.

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 2017-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital One 's inconsistent billing practices lead to my account falling behind without my knowledge. This only came to my attention when I was attempting to purchase another vehicle and the credit report showed a series of late payments. I immediately called XXXX XXXX that day, XXXX XXXX, paid all monies owed in full via phone ( over {$2000.00} ), and then 2 days later put the account on " auto pay '' to avoid further problems. When I followed up with a representative from Capital One on XXXX XXXX ( estimate ), I was told that my statements had been " suppressed '' in XXXX XXXX. My credit score has incurred significant damage due to this one creditor. Over 20 other creditors show no late payments ever. Because XXXX XXXX did not inform me of the status of the account, it went past due on several occasions with no notification. I own two homes and have a combined income with my husband of over {$340000.00}, and our credit is excellent with the exception of this one account. Given our complex financial portfolio, I rely on receiving statements to pay our bills timely. I never agreed for my statements to be " suppressed '' and was completely unaware of this. I have asked XXXX XXXX to dispute this internally but I do not have confidence that they will reverse these reports with the Credit Agencies, and I ask for your assistance. Please have Capital One remove these late payment reports from my credit score. 
Thank you for your help and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Experian Information Solutions Inc.
State: AL
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:
Contacted XXXX & EXPERIAN multiple times regarding items on my credit report ( bankruptcy ) that does not belong to me. They claim that they verified the information with a third party and confirmed it belongs to me. I contacted the court in person and was told that they don't provide any information to a third party and there was no record of any inquiries from the credit bureaus concerning me. It's almost like anyone can randomly call the credit bureaus or send them a file about a person and they don't verify but just add the information to the credit file. The court provided me with a letter stating the facts. I provided the letter to XXXX/Experian and they reinvestigated. They now claim that the information was confirmed by the third party again. I even contacted the third party again ( XXXX ) and was told that no one had verified verify with them.

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 2021-05-03
Company: WELLS FARGO & COMPANY
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I used to have a Wells Fargo account. Stopped using them bc of their poor quality of service. I recently received a letter in the mail regarding a refund check that was mailed to my previous address last year. A few excerpts from the letter : " ... we would like to ensure you received the refund for x amount ... '' And " if you did not receive the check, please contact our office at the number below and we would be happy to reissue your refund ''. I called first at the end of XXXX and then again mid XXXX after not receiving the new refund check that they promised to reissue on both occasions. I called again today ( call # 3 ) and this time, they mysteriously couldn't find my information at all and would " call me back ''. 

I do not have any hopes that they will ever call me back, considering that the issue was supposedly resolved the first time I called back in XXXX. 

According to XXXX, the " supervisor '', they would " investigate '' and call me back. Ha. He also " didn't recognize '' the Wells Fargo customer service number on the letter which I used to call to get in contact with him ( after being transferred several times ). This company is a joke. As far as I am concerned, they are guilty of theft for not reissuing the check for MY money. My only guess is that they are stalling and dragging their feet until the " applicable time period '' is up so they don't have to give me my money. Clearly, they are not happy to reissue my refund as they previously stated

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 2019-04-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I previously filed a complaint with the CFRB ( id # : XXXX ). Your site says the complaint is closed because the company responded to me. The company did respond by sending me a letter dated XX/XX/2019 stating that will need 1 to 2 billing cycles before they can respond. I then received a call on XX/XX/2019 from someone who was unable to be heard during some of the voice message left. He called from XXXX XXXX XXXX XXXX which is listed on Internet SPAM/SCAM sites as a marketing number for Synchrony Bank and GE Credit. The caller left a call-back number of XXXX XXXX XXXX XXXX extension XXXX XXXX " in case I had any questions. '' I did call back and was placed into marketing loop cycle where the only option was to be registered for some sort of security health alert system. Also the paperwork that came with the new credit card ( received XX/XX/2019 ) stated I would be receiving a paper account on the replacement account in 2 to 3 weeks. I have yet to receive that statement or any other paperwork from this bank or any of its subsidiaries.

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 2018-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I am not associated with these following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is : XXXX XXXX XXXX Please delete any variations of my name.

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 2019-04-10
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call from an " Unknown '' number multiple times a day, every day. Sometimes even on Sundays and After 9pm and before 9am sometimes. When I talked to them about it the girl on the phone was extremely rude and kept saying she didn't know what I was talking about and would interrupt me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04
Company: Federated Law Group
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A demand letter dated XX/XX/2018 was received from Federated Law re : XXXX XXXX credit card debt. 

This account was under debt management. 

I notified XXXX about the letter dated XX/XX/2018 and XXXX has removed this account from debt management as a result of the letter. 

Federated Law has requested that I inform XXXX XXXX about payment. On XXXX.18, I spoke with XXXX ( Federated Law representative ) and she requested that I call XXXX as she could not discuss matter further. 

Federated Law and XXXX XXXX have been notified of their individual actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi is trying to force and shape how individual businesses sell products to customers.

No one wants financial institutions deciding which legal products you may purchase.

Citi has no place determining who and what legal items can be purchased by legal citizens. Citi is a corporation who was helped by the people of the United States, they have no business telling its citizens in what fashion they can use credit to make legal purchases. Our government has systems in place to determine what is legal and what isn't, Citi is not a governing body.

I am currently working to divert all personal business away from Citi and to other credit corporations.

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 2019-04-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company called from XXXX. Claiming to be XXXX  XXXX XXXX. Caller was rude, put me on hold intentionally when I tried to give the proper information. They stated I was named in a complaint and will Be filing legal action if I did not pay now. They said it was An XXXX XXXX card also known by household bank HSBC. I tried to advise them this account was included and that the orginal creditor was notified of Chapter XXXX bankruptcy what was filed, accepted and XXXX in 2011. Making the debt uncollectible, as well as being outside of any statue of limitations. They are not accepting of the information and are telling me I must send them information. They are clearly in violation of the fair debt collection act on numerous things here ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is a collection agency claiming they have a debt from XXXX. This is not true and I have disputed this multiple times with the collection agency and the bureaus. This is directly affecting my ability to get approved for a mortgage.

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