BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-06
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have tried for several years to refinance my mortgage loan with PHH. There is an average wait time of 10 mins to get an actual person on the line. Then the after repeatedly being put on hold, I would usually just hang up after 30 mins. There is ALWAYS a " greater than average hold time because of increased volume ''. How can that be? No matter what the time of day! 
So finally I refinanced away. I'm in NY state, so I'm looking to take advantage of XXXX to avoid having to re-pay mortgage tax. Thus I simply need to have PHH assign the mortgage to the new lender so they can file a XXXX and associated fees. 
My new bank 's attorney has done hundreds of these, and tells me PHH is the only firm that can not seem to understand this process. They need an attorney contact to work with and the process handled quickly. The attorney was first told that the client needs to request. I've now had three 35mins+ phonecalls where I'm repeatedly put on hold and they clearly have no idea what an assignment is, nor what XXXX is ( fyi you can XXXX  it ). They told me to fax a letter to their legal department and someone would respond within 48hours. No response. I sent email to the customer service department to follow up. No response. Now they want me to file an inquiry with research department and they will respond within 30 days. I give up! I will need to just pay the tax just to get away from this awful company. Their customer service is worse than XXXX or XXXX ... and that's saying something!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: WI
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 regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for loan modification and recently I am trying all option possible. This is 3rd time I am submitting the loan modification package.However, lender never response to my application.I have pending sale date on XX/XX/XXXX and I really need help from Chase to stop and give me some other options and I even consider to sell my house to get equity. But at least I have options to retain it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Opportunity Financial, LLC
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:
one inaccurate and fraud account name ( opportunity finance ) has been reporting under my name under my XXXX credit reports, it is under loan accounts, i have never had a loan that i have not paid, this is inaccurate and fraud account reporting under my name, please have this inaccuracy removed from my XXXX credit file thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: OH
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 would like to have a Fraud Alert removed for my legitimate account XXXX XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I was contacted by the credit bureaus about my account that I never filed a dispute over. My account has been in good standing since

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX Balance : {$8900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-12-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a Home Loan with XXXX XXXX XXXX, XXXX ( XXXX ) for a home located at XXXX XXXX XXXX, XXXX, GA XXXX. I notified XXXX that we would be moving in XXXX of this year ( XXXX ), which we did, and asked XXXX to consider a Deed in Lieu of Foreclosure. XXXX claims to have contacted XXXX XXXX XXXX to obtain a Title Release on a Lien that was on the Property, that has been done away with/Avoided and excused in the Bankruptcy Approved Filing ( Attached ). At any rate the remaining amount left on the Loan was {$87000.00}. XXXX had the property appraised at XXXX XXXX, which was less than the Fair Market Value, and would pay me the difference. 
XXXX has dragged its feet for almost one year instead of foreclosing on the property, neither has XXXX provided me with proof from XXXX XXXX XXXX that is a Valid Lien, because they can not. 
Now, XXXX Sells the Mortgage to Select Portfolio Servicing , Inc., XXXX. XXXX  XXXX, XXXX XXXX XXXX, Utah XXXX, and they start sending me letters & Mortgage Statements ( Last One Dated XX/XX/XXXX ) for that property that I do not own, which was Approved By a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Case Number : XXXX. Today, I get another letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX, stating that they own the Mortgage, in any case, this is not my problem, that property was returned back to XXXX in XX/XX/XXXX, and XXXX changed the locks and took possession of its property. What is being done by XXXX, Select Portfolio and XXXX XXXX XXXX is pure outright harrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete this account and the inquires.

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 2020-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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 an account online with a promo code XXXX. The account was closed per their fraud department within two days due to verification ( I was not able to get into a branch to verify my identity due to no appointments were available until Saturday ). At that point the branch employee opened a new account and attached the promo code and told me I would still get the {$100.00} promo as long as I made the deposits within the timeframe ( I made the amounts required ). The banker actually advised that the amounts did not have to be {$250.00} exactly, but as long as they added up to the {$250.00} during the month, I would still qualify. I did not fully believe her so I made sure to have the {$250.00} or more direct deposited ( I found out during a call center conversation, I was correct ). This is a UDAAP and Sales Practice issue, your bankers are providing incorrect information just to open an account and receive incentive. Very misleading. I would like the {$100.00} promo that was promised to 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 monetary relief
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: IL
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 have reached out to Equifax, XXXX, and XXXX. As well as XXXX XXXX  and XXXX XXXX XXXX XXXX  several times regarding the inaccuracies and invalid information on my credit report file. I feel as though I am being taken advantage of and being ignored regarding my disputes. The FCRA assures me that I have the right to dispute any and all invalid and inaccurate information regarding my file. I have received nothing pertaining to the investigations that were supposed to be conducted. I sent disputes in XXXX and again in XXXX.. It has been over 45 days. My request have gone unanswered. I have explained to all parties that my information was impacted by the Equifax Data Breach and it appears that my information was fraudulently used. I demand that these accounts be deleted immediately or I intend to file for litigation due to the stress that this has caused me. 
To date, XXXX  is the only company that has responded to my dispute in the proper manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ad Astra claimed they have sent documentation and as of this date there has not been anything delivered. I have even checked with the post office and they do not have anything. I am requesting a deletion of this account from all 3 credit bureaus. I have even requested two times about a pay for delete and in no way am I acknowledging this is my account. I just want it removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It came again to my attention that PORTFOLIO RECOVERY ASSOCIATES reported in my consumer credit report a alleged debt I do not to them in tha amount of {$4900.00} on XXXX/XXXX/XXXX with account # XXXX .... 
PRA has settled with me out of court in the amount of {$500.00} paid to me about 60 days ago and agreed to remove the account in my consumer credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is reporting on my credit report the following residential addresses which I have never lived at. I have already submitted two dispute letters with them and they have still failed to remove the addresses from my credit report. 

XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX CT XXXX TX XXXX I have attached a copy of my credit report which shows the addresses still being listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax will not freeze my file and does not answer phone, you receive automated message and then get disconnected, the webpage does not work, I have serious concerns and I still do not know of my SS # was part of the breach ... 

Equifax has not replied to any of my requests

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a current complaint with this same company # XXXX. Now they have created another problem for me. On XX/XX/XXXX they sent me this message in an email : Hello XXXX XXXX, Your bank account ending in XXXX was re-added to your PayPal account on XX/XX/2020 at XXXX PST. If you confirmed this bank account when it was originally added, it will be reconfirmed automatically. If not, please log in to your PayPal account and confirm your bank account details. You must confirm your bank account to use it with your PayPal account. Thanks, PayPal Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click the Help link in the top right corner of any PayPal page. 

I have little idea what is going on here but I do not want any bank acct linked to my paypal account unless it is at my direction. I dont believe I ever had the acct mentioned linked so I have no idea what they are talking about. I need paypal to undo any actions like this they have taken. And I need them to respond and take action related to my original complaint so I can access my funds and take care of any other issues. I need access to their company not just a website that does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Error was not fixed from investigation.

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 2020-02-16
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
I have to account is close still show open In my credit report 1- loan care 2- 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 2021-08-09
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Information does not belong to 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 2021-06-22
Company: Experian Information Solutions Inc.
State: MN
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:
Im nervous about identity fraud happening to me. Lots of addresses on my report that Ive never lived at or been associated with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: DISCOVER BANK
State: MI
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:
from the VAs to 2016 Discover transferred from my accounts with them a total of ( According to their records ) {$14000.00} to one or more of their fake accounts that the federal courts ordered them to stop doing!! That is the amount that keeps going up that they are NOW reporting to the IRS on form XXXX! They also took over {$20000.00} from my other credit cards! Also they took me to local court and I proved that they illegally took the money and put it into one of their fake accounts! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXt Even a small amount of experience dealing with collection agencies teaches most people that defending a lawsuit from a collection agency isn't exactly rocket science and usually goes something like this : 1. You recieve a summons from the collector.

2. You respond to the summons and show up in court. You demand proof that you owe the debt.

3. The collection agency requests time to come up with proof.

4. The collection agency can not find proof. The judge dismisses the lawsuit. Game over. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XX/XX/21 sent investigation request and didn't receive any results.

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 2019-02-21
Company: PROVIDENT FUNDING ASSOCIATES
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Provident Funding received a quote for home insurance from my current incumbent ( XXXX XXXX owned by XXXX. This was over 2 months early ( from the renewal date ) and over a 20 % premium to my previous contract. They paid this early via my escrow account and without any consultation. 
Our contracts do not identify any terms for governing this process however a reasonable person could expect that a service need only be paid for a week in advance and anything over 10 % should be consulted with the client whose money they are spending. 
Provident 's response has been that I must spend my time to contact the insurance provider and request a refund and during the interim must find new money from somewhere else. It is not their problem even though they created it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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:
There is a collection on my credit report, reported by XXXX XXXX that originated with XXXX XXXX XXXX for a home that I rented through them. We were there throughout the term of the lease and had complained several times that the home was bug infested. Once the term of the lease had ended, I did a walk thru of the home with the Landlord and was told that everything looked fine. I then received a letter that I would not receive my security deposit back and that the home was damaged due to a bug infestation. According to Texas Lease Law - the Landlord must send me the balance of my security deposit along with a list of damages and costs for any repair. I have never received an itemized list nor do I have any idea of how they came up with this balance owed. This is a violation of the lease law and I request that this item be deleted from my credit report.

Company response to consumer: Closed with explanation