BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: PLANET HOME LENDING, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The problem I am having is based off of three things : flood insurance for my home ; the type of loan I am in ; and the changing of mortgage companies. 

When I purchased my flood insurance in XXXX of XXXX, my Mortgage company ( at the time ) was well aware that I was going into an FHA loan. One step further, this Mortgage company even helped me acquire my current flood insurance. It was vital that we get the lowest flood insurance possible ; as it was an added expense we could barely afford. 

Then, in XXXX of XXXX our mortgage was bought out by Planet Home Lending. I received a letter in XXXX saying that Planet Home Lending had acquired our mortgage and FDPA requires flood insurance for any property in a flood zone ; BUT Planet Home Lending deemed my current flood insurance : expired, cancelled, or unacceptable. Also, stating that their policy demands an NFIP loan, and quoting me at {$2000.00} ANNUALLY ; when my current flood insurance is {$800.00} ANNUALLY, through the original Mortgage company. 

My discretion is : My loan was sold with very noticeable underwriting guidelines for purchasers to view. Purchasers or buyers are supposed to cross-reference their policies with the current contracts that home-owners are bound to. 

It is clear to me that this did not happen when Planet Home lending bought out our Mortgage from our original Mortgage Company. The criteria in our underwriting was different from Planet Home Lending 's policies, yet they still bought/accepted our mortgage agreement. 

OK, so this is fine, however do not force me into buying a brand new flood insurance that I can not afford. 

So in XXXX, I did contact my insurance agent as I knew something was not right with this new relationship. I informed my agent that I was not quite sure what was going on, since I already had insurance purchased through him ; backed by our Originsl Mortgage Company. My insurance agent then reached out and provided me with Planet Home Lending 's policy, and it appeared that everything was fine. 

I received another letter on XX/XX/XXXX ; and another on XXXX, XXXX XXXX. The letters continued to express that I wasn't covered and that I needed to purchase new Flood Insurance coverage, even though I was already in a contract with current Flood Insurance. 

I do understand that Planet Home Lending has their own policies, and I do understand that mortgages are often bought out. However, I think it is completely unfair to me ; as purchasing a new insurance will surely put me into financial harm. 

I did not do anything wrong ... Planet Home Lending should own up to their own mistake of buying a mortgage whose terms they did not agree to. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commission identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Multiple accounts have been disputed with credit company and yet they have failed to remove these accounts from my credit file These companies have failed to be able to show proof of ownership These accounts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion is reporting incorrectly a collection in the amount of {$8500.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have never attended this school. This account does not belong to me and is being reported in error. The school has been permanently closed as well. Please also see page attached from the schools website. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2021-09-08
Company: MARINER FINANCE, LLC
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a text message alerting me that someone had checked my credit report on XXXX. I signed in and saw that Mariner finance had checked my credit. I did not authorize this and I have not applied for credit with anyone recently. I called the company and stayed on hold forever as well as left several messages to be called back. I filed a dispute with XXXX on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in XX/XX/XXXX. A new lendee, Mr. Cooper purchased my loan almost immediately. I provided all information requested by Mr. Cooper, including a copy of my condo homeowners policy. Mr. Cooper notified me that my insurance policy was inadequate because it did not have hazard insurance. My insurance policy has always had hazard insurance, so I provided additional documentation. For the next five months, I would receive weekly letters saying that I needed to provide documentation that I had already provided. I continued to provide copies of the policy as requested. Mr. Cooper notified me that they would withdraw up to {$850.00} to ensure that hazard insurance was purchased. I objected to any withdrawal because the documentation clearly stated that hazard insurance was part of my policy. Mr. Cooper withdrew the funds from my escrow account anyway. Finally, I was able to get a three-way call with a Mr. Cooper representative and my insurer and we discovered that the reason Mr. Cooper wasn't able to see that hazard insurance was part of my policy was that they expected to see it on page 1, but it was on the first line of page 2, which they had never turned the page to see. Since XXXX of XXXX, Mr. Cooper has acknowledged their error, but has not refunded the full amount withdrawn from my escrow account. They have replaced {$400.00} dollars, but can not explain why the remainder has not been refunded. I contacted my insurer and their records show the check for {$620.00} was cashed in XX/XX/XXXX. Because the funding was withdrawn from my escrow over my objections, my escrow account now is short ~ {$400.00}. Mr Cooper has now raised my mortgage rate to pay for the delta that they caused by the improper withdrawal of funds. They are refusing to refund the remainder of the funding. They say they will not do so until the total amount of the insurance payment is refunded to them. This makes no sense as they have already refunded {$400.00}. This issue has now been ongoing for a year and despite regular calls to Mr. Cooper customer service and escrow departments, is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
So I have contacted transunion and XXXX  serveral times about inaccuracies they tell me its correct which is not the case. So I decided to reach out to the companies myself AND low and behold I get accurate information. So they lie when they say they look into stuff.

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 2022-08-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid all but XXXX XXXX on my mortgage but sps has not applied the payment to the balance. I have called and spent hours on the phone and in the end of the conversation they say just call back in a couple of days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am attaching proof of my certified and notarized letter sent to CHEXSYSTEMS informing them of my rights and the federal laws they are violating. A notarized letter is a legal document and I intend to take further legal action if my issue is not resolved. 
I also attached a copy of the law so there is no confusion to the Consumer Reporting Agency of the laws they are violating. As a consumer, CHEXSYSTEMS may only furnish a report with my written consent. I did not give permission to CHEXSYSTEMS and no consent is IDENTITY THEFT. 

Under 15 U.S 1681b- Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Meaning, the account I referenced in my notarized letter must be deleted immediately as they are currently violating my federally protected rights as a consumer. 

I have repeatedly tried to resolve this issue and have contacted CHEXSYSTEMS to have this account removed, however they have continued to violate my rights as a consumer, inflict XXXX XXXX ; while ruining my reputation, and character. If this account is not deleted I will send CHEXSYSTEMS an invoice of their violations and expect to receive monetary compensation as well.

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 2017-12-06
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company I am complaining about is called XXXX XXXX. I make monthly payments to them. Unfortunately, due to unexpected expenses I was not able to make my XX/XX/XXXX payment of {$27.00}. I have been on time previous to that. So, a late charge of {$36.00} has been added to my account which I was aware would happen and planned to pay what the amount due is on XX/XX/XXXX which is when I get my next XXXX check. They started calling me on XX/XX/XXXX. I called them on XX/XX/XXXX and explained my situation and told them when I can make a payment. The man I talked to was aggressive and kept interrupting me. But, he finally said he would note my account when I will make a payment. Well, the calls have continued twice a day and they even sent emails. I unsubscribed from emails but the phone calls continue. And, when I have answered the system hangs up on me. Sometimes a recorded msg is left on my voicemail and sometimes it hangs up when my voicemail is activated. They are using up cell phone minutes in addition to harassing 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 non-monetary relief
Consumer complaint received 2021-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The Week of XX/XX/XXXX, I was visiting friends in XXXX, XXXX. I made a transaction at a local XXXX Gas Station. Apparently, there was hacking equipment on this machine. 

On XX/XX/XXXX, while back in my home town of XXXX, XXXX, I noticed transactions being made on my checking account at Bank of America without my authorization. The charges where made at XXXX in XXXX, XXXX  in the amount of {$800.00}, XXXX XXXX  # XXXX in the amount of {$400.00} and XXXX XXXX  # XXXX in the amount of {$50000.00}. I immediately visited a Bank of America in XXXX, spoke with a bank manager, XXXX XXXX and explained the incidents. I also showed him I had my ATM card in hand. He also viewed my accounts and saw these transactions were posting to my BOA checking account. 

We proceeded to open a fraud report on these transactions. I also procured a police report from the XXXX Police Department regarding these unauthorized transactions and also uploaded it to my fraud report at the Bank. On XX/XX/ I received a letter from the bank stating that the claim was closed, they assumed the charges were authorized by me or made by me and would not be reimbursing me my money. 

How could I authorize or make these charges while in XXXX, XXXX? 

I have since, filed a claim with the Federal Trade Commission # XXXX, contacted my state Attorney General 's office and will be contacting the XXXX, XXXX  police department. 

Who can help me get my {$1700.00} back?

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 2020-01-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I receive an offer by Wells Fargo through a direct email, offer was simple, open a checking account get direct deposits of XXXX or more monthly for 3 months and after 45 days receive the bonus of {$400.00}, I went to a banker with this code and he opened my account, gave him my SSN, passport and he confirm that I was eligible as long as the requirements were met. I fulfilled the requirements on XXXX and went last week to see how the process was going, they told me that everything was alright but they needed a W-9, I told them I was not a XXXX and they told me they could not give me the offer anymore. 
I received this same type of offer from XXXX on 2017 and had no issues, they also knew I was not a XXXX  by the time I opened my account, to proof this I applied for a credit card with the same banker that opened the account on the same week I opened the checking acc and the banker told me I was not going to get the credit card cause they only gave those to american XXXX but would not hurt to try. 
Considering this false advertisement and bad managed situation I believe my case is funded and that Wells Fargo is not fulfilling his promotion, as it as not done in the past, this bank has a bad history of this situation on the news, as I am sure you are aware.

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 2020-05-13
Company: EQUIFAX, INC.
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 was trying to buy a car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I was not approved for any auto loan with any company because there are a handful of accounts in negative standing appearing on my credit. I looked through the accounts and none of them are mine. I don't know why these accounts are on my credit or who could have opened them using my personal information such as my name, social security number, etc. therefore I have filed a police report. I did not get anything from these accounts being opened in my name and I did not take part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with any of these companies and I did not give them permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have requested the removal of inquiries that appear on my credit report that are unauthorized due to identity theft, I filed a police report upon discovering the inquiries and I've disputed them with Transunion via certified mail twice. They have failed to remove them and therefore have failed me in protecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
approximately a year ago, when the data breach at XXXX  occured, i reached out per best guidance to the credit agencies.

transunion somehow slipped me into a monthly payment program which i have been unable to get out of due to no one ever answering their XXXX XXXX phones. i've placed several calls to several numbers related to transunion and have given up at the 30-60min mark of being on hold. i never opted into any program, nor did i ever provide bank information for payment to occur, yet somehow my checking account is being drafted with no stop in sight. i'll be contacting my bank to stop payments.

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 2021-02-27
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Santander Lawsuit for faulty loans! They need to be prosecuted and pay up for all the credit damage and loan that still hasn't been paid off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My identification is being used for car shopping online which I wasn't nowhere as multiple hard inquiries for the same car lot multiple times a day I'm surprised the bank didn't even look at that I tried you been XXXXXXXX XXXX they weren't doing anything I did dispute letters with XXXX XXXX told me that I had to call the consumer phone consumers are saying XXXX put it on there

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 2020-05-07
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I, XXXX XXXX XXXX XXXX XXXX submitted an application for refinance with AmeriSave. We were assigned to XXXX XXXX and was asked to completed submission of documents which were done within 24 hrs and also to pay for appraisal and then a third party would contact us to schedule. We were advised due to the Cov-19 that the appraisal could be a drive by due to safety concerns especially since we have new born. We advised we would like a drive thru appraisal. We were then contacted by the appraisal company on XX/XX/2020 and appraisal was scheduled for Thursday, XX/XX/XXXX at XXXX. 

On the XXXX person knocked on door to perform appraisal and asked to come in ; we advised the appraisal is a drive by appraisal due to COV-19 and therefore there will not be a need to come in. <note> Appraisal Company : XXXX XXXX XXXX XXXX was retained by AmeriSave Mortgage Corp., XXXX to coordinate real estate appraisal of our property located at XXXX XXXX XXXX  ; XXXX, TX XXXX. 
guy advised he would just take a moment to take few pictures of the home and that was it appraisal would be done and submitted to us within 2 business days. 

It is now XX/XX/XXXX and no delivery of appraisal has been provided to myself, nor XXXX XXXX, nor staff of AmeriSave. We the home owners have attempted on several occasions to contact them, as well as, AmeriSave alleged did the same and have not gotten an appraisal. 

On XX/XX/2020 XXXX contacted myself XXXX XXXX and advised they finally received a response and was advised the appraisal was cancelled. 

Conclusively, we have a mortgage/appraisal company that has taken money from us without delivery of services that will not respond to calls or provide delivery of services paid for. We have made several calls to AmeriSave complaining about the matter and asking to step in and assist and still no resolution. We now had our credit ran which took an hard hit and dropped our scores and money taken from us and no refinance due to lack of appraisal. 

Were asking for immediate course of action to be taken. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation