BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to inform you of the unfortunate set of circumstances that lead to my home loan ending up in a foreclosure.. I was laid off in XXXX. I called XXXX  XXXX XXXX immediately after I was given the news that I was laid off.. I was concern for I was never late and I wonder if there was a program or any type of help that could help out until I found a job and make the new income adjustment work. I will never forget how this day has changed my life. 
I spoke to a customer service to a gentleman by the name of XXXX XXXX was very accommodating. He went on to tell me that there was nothing to worry about because the government had just signed " bailout money " for borrowers like me. He mentioned that in order to qualify for 2 % modification all I had to do was to miss three payments. I went home and told my husband and he was very reluctant. I went on and miss the payments. I did not hear anything from the bank for months. Shortly after I received a forbearance letter asking for all the money that I had missed. 
After paying the three payment on trial period the modification disappeared. The two subsequent payments were never found. I applied for a modification again four times. All documentation was sent in. I was denied four times with out an explanation. My marriage ended because all the stress. 
Since XXXX  XXXX XXXX advised me to skip my mortgage payments, they quickly transferred the loan to XXXX and then to Shell point. I feel I was defrauded by my bank. I am also victim of predatory lending. I must comment that XXXX  XXXX XXXX rewarded employees for denying applications and referring customers to foreclosure, according to the statement. A collector by the name of XXXX said who placed ten or more accounts into foreclosure in a given month received {$500.00} bonus. Other rewards included Gift cards retail stores or restaurants, said XXXX and XXXX XXXX. 
Who worked as a collector from XXXX to XXXX. 
original publication XXXX XXXX XXXX XXXX This loan was based on stated income and had apparently an inflated appraisal. 
I I am requesting the wet ink note be provided. Signature appears to be forged. 
I have done a forensic review. 
I also want an explanation about my note and mortgage which is owned by XXXX XXXX. 
Please explain to me how XXXX XXXX can maintain that they own the note if Shell point also is claiming ownership .I need this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-05-01
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XXXX mortgage payment resulted in my principle dipping below the 78/22 %  loan to value ratio. Im still paying PMI. About two weeks ago I called my mortgage company. They informed me that their escrow department needed to research this and get back to me within 30 days. I explained that I thought this was unacceptable because they could clearly see that my statement was correct and my only other condition for dropping PMI was that Im current on my payments. Over the weekend, I received a statement saying I needed to pay {$470.00} for an appraisal. I called them today, and instead of telling me they still needed to research it, I was told that the Customer Service Reps did in fact have ability to drop the PMI. After he pulled up my records he changed his tune and said that they only service my mortgage and the lien-holder is the XXXX XXXX XXXX XXXX and they already made the decision to not drop the PMI. I then asked why this hadnt been communicated when I originally called, and why I was still mailed a statement requested {$470.00} for an appraisal, to which he apologized for giving me the run around. The mortgage company is called Dovenmuehle Inc and based in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT : Name : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX EMPLOYER : XXXX XXXX XXXX, SC 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2019-05-01
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: Information belongs to someone else

Complaint:
There are inquiries reporting on my credit file that does not belong to me. Neither was the inquiries authorized by me. Please assist me in removing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-19
Company: EQUIFAX, INC.
State: SC
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 sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: MD
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:
My credit score does not reflect my exceptional payment history, no collections, length of credit history. I have a low credit score with a credit utilization of less than 20 %. Something is wrong somewhere.

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 2020-09-15
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My Experian credit report is showing a hard inquiry from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/2020. 

I am unaware of this entity or why they would be inquiring about my credit information.

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 2017-07-28
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was hospitalized in XX/XX/XXXX 2016 and had XXXX XXXX was an out of network provider at the in-network hospital where I was taken. This was not disclosed, and several months after I was discharged, I began to receive bills for over $ 8K for few days of consults. In XX/XX/XXXX, XXXX XXXX XXXX sent me an appeal form and actually instructed me on how to file and appeal with my insurance company. I was still injured, and required assistance, but I managed to submit an appeal to my insurance and sent a copy to the office to notify them that the appeal was filed ( I was given a form and a return envelop from XXXX XXXX XXXX ). My insurance approved the payment and sent XXXX XXXX XXXX XXXX a check in XX/XX/XXXX ( Check # XXXX ).  In XX/XX/XXXX, I began to receive notices from the Collection Bureau of the Hudson Valley Inc. stating the bill had not been paid. I confirmed that the bill was paid by insurance. The check was actually cashed by the time I received the first notice. Unfortunately, I am still being chased by XXXX XXXX XXXX. Today, I received a call while at work. She informed me that I was in collections, that my credit report was being affected and threatened legal action. When I stated that the bill had been paid, insurance had confirmed, that I would have my lawyer contact her, she stated " that wo n't be good for you ''. I again reiterated that the bill was paid, that XXXX XXXX s office was fully aware that I had appealed and should not have sent this to collections. I asked if my credit was being affected and she confirmed they have reported me and my credit is suffering. I told her I would have a lawyer follow up since there was no reason to continue to pursue a debt that had already been paid more than 3 months ago. I was again threatened and told I was making things worse for myself if I involved a lawyer. I asked if she had asked XXXX XXXX 's office if they had been paid and her response was " we do n't contact the creditor unless YOU pay use or give us proof the debt is paid. '' XXXX  XXXX XXXX, XXXX was aware I was appealing to insurance for payment yet submitted my account to collections affecting my credit ( possibly as they were receiving a check! ). They cashed the check and did not put a stop on the collection agency. The collection agency ( Collection Bureau of the Hudson Valley, Inc. ) is chasing a debt that has been paid and refuses to check with the creditor to confirm if the debt has indeed been paid. In the meantime my credit is being affected/further threatened, I am being threatened with legal action ( thanks to XXXX XXXX ), and am cautioned against having a lawyer because " that will make things worse for you ''. I must ask for assistance from the CFPB in the meantime to address the attempts for a double payday and attacks on my credit. Please hold these 2 companies accountable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I did an international wiring {$77000.00} with XXXX local branch manager to wire to HSBC in XXXX XXXX on XX/XX/XXXX, but recipient has not heard anything about the fund ... 
HSBC requested my compliance information twice. After XXXX sent out to them on XX/XX/XXXX and XX/XX/XXXX, there is still nothing heard back from HSBC. HSBC hold my fund and don't respond to XXXX inquiries. 
So, XXXX recalled the fund back on XX/XX/XXXX, Still no result so far till today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company that calls itself XXXX XXXX, called my husband, mother, father and step brother all on XX/XX/2019. To which this company proceeded to let them know that there was a warrant out for my arrest and a subpoena for debt owed. I called the number that was given to them XXXX and the case number : XXXX. I called and asked for company name and Info and was hung up on. Second call was told to verify the last 4 of my social ( they had my complete SS # and date of birth ) said I owed money to Ace Cash. I said well I havent received any written statements in the mail. If I get a mailing I will pay. They said no. We will not send anything out, you will be served or pay through the phone with a debit/credit card. I said no, is there a website to send payment and get more info? and once again got hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm a victim of crime and I am a VICTIM of ILLEGAL MARRIAGES & XXXX & FORCED LABOUR WITHOUT PAY AND HIPAA VIOLATIONS & VICTIMIZATION OF CLONING & HEALTHCARE FRAUD. I AM PENDING XXXX XXXX XXXX CONTRACT PROMISES & MY LEGAL PAYCHECK & I AM BEING SMUGGLED & TRAFFICKED & VICTIMIZATION OF WAR CRIMES & I AM A VICTIM OF CHEMICAL RESTRAINTS & HUMAN GROWTH & RACKETEERING.

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 2022-01-19
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding a loan with Rocket mortgage ( XXXX ). The owner 's of the property are XXXX XXXX and XXXX XXXX. 

We asked Rocket, when we refinanced, if we could later do a Right of Way Abandonment. They said yes, but, you need to let the new loan mature 1 year. We did that and then Rocket mortgage refused to do the ROW abandonment. 

We live in a historic district and many neighbors have done ROW abandonments, and the Town or XXXX wants the ROW abandonment. 

We want to do this so we can build a garage. 

We wanted to move forward and trade XXXX feet in front for XXXX feet in the back. Essentially, we own the street in front of the house, but, not the backyard. It is this way because this is a historic district, the house was built in XXXX, and the surveys were not accurate. 

This is normal for this neighborhood and is a matter of surveying and redoing the maps to make everything correct. And, to legally allow us to use the property that is basically our backyard. 

Rocket mortgage will do an exchange if we wanted to sell land, or, buy more land, but, they refuse to do an equal exchange. 

And the only explanation is it is a " Corporate Decision ''. 

What they want us to do is refinance. OK, but, we have a great rate, and rates are now higher, and, we don't want to refinance as it costs more in the long run. 

And, it is not Rocket Mortgages right to force us to refinance, when they have a division that does this work, and they do charge thousands for it. 

So, we are being for forced to refinance when we don't want too. 

We feel that it is the servicer 's obligation to service the loan when this type of problem arises. After all, our property will be worth more after the exchange, as, we will be able to build a garage. 

And Rocket Mortgage should not be able to force us to refinance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Resurgent Capital Services L.P.
State: CO
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:
Since 2019 I have been working with this company to get VALID VERIFICATION OF THIS DEBT! In 2019 I was sent a generic letter printer from the LVNV funding firm with none of the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

As I have explained I had NO knowledge of this account and LVNV funding has NOT BEEN able to provide correct verification I MADE ANY AGREENCE WITH THE FIRSYT DEBTOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid 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 made a purchase on my Chase credit card that was flagged for fraud.
I received an email from Chase that asked if I recognized the charge with the following language under the yes section : Do you recognize this charge?
Yes - Your card remains active.
- If a purchase was declined, you will not be charged unless you try again.
The charge was for a different amount than the merchant bill and as soon as I saw the fraud flag I believed the merchant was not legitimate but I clicked yes as I did recognize the charge and still had the card in my possession relying on the following language " If a purchase was declined, you will not be charged unless you try again. ".
Later that night this merchant put through a charge for a different amount with no additional action on my part and Chase allowed the purchase to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Shows late payments on my credit report from XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX these are incorrect and i have disputed these several times with the company and credit reported agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CSO Financial
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called CSO Financial Inc twice to take care of my debts. They would not just let me pay. They said I had to pay additional interest on the debt and said I had to talk to someone else to find out how much I owed, rather than just allowing me to pay it off. They attempted to collect unnecessary information ( address, phone number ) and would not just provide me with the info I asked for or allow me to pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I called Citibank and inquired why I had n't received my new credit card and was told that I had an outstanding balance over 90 days old and that I could not receive my card until I paid my bill of {$4100.00} for charges occurring between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I asked why I had n't been notified and was told they sent me the bills and notices in the mail and I never responded. I then discovered they had the wrong address and telephone number in their system. See attached letter for details.

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