BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diversified Consultants ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX They are saying I owe {$760.00} and the original balance was {$430.00}. They are also saying the debt is from Florida and the date opened was XX/XX/2015. I lived in Massachusetts during that time. I have disputed this with XXXX and XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to get all three credit reporting companies to put a security freeze on my report, as I have checked with XXXX who have admitted that my information has been compromised in their latest security breach. None of XXXX, XXXX or Transunion 's website will complete my online requests. 

I have tried some of them multiple times, but they will not freeze 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 2019-10-15
Company: SECURITY FINANCE CORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Gitsit Solutions, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was current at the time of Hurricane Irma which we were declared on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX ( previous servicer ) put us on a 6 month FEMA disaster forbearance ( I am including a copy of the agreement ). At the end of the forbearance XXXX put us on another 6 month FEMA disaster forbearance starting on XXXX, XXXX ( a copy of the agreement is included ). This was granted because our damage wasnt significant enough to meet the deductible of the insurance to make a claim. The insurance company raised the deductible due to the hurricane to 5 % of the total value of the home instead of the {$1000.00} normal deductible. The deductible was then {$7000.00} so the forbearance was our only means of assistance to pay for the recovery. At that time we had a XXXX XXXX loan who promised to do a streamline disaster modification at the end. 
Then on XX/XX/XXXX we were hit by Hurricane Michael. XXXX was trying to find out from XXXX XXXX whether to do another forbearance or go ahead and do the modification. Because this was a complex issue with the second disaster they were waiting on XXXX XXXX for the guidance on what to do. 
On XX/XX/XXXX we received notice of a service transfer to XXXX finance so we were told the wait until we arrived at the new servicer to do the next forbearance or modification. 
Then on XX/XX/XXXX we received notice we would be transferred to Kondour capital starting XX/XX/XXXX who has refused to honor the previous commitments and agreements made by the previous servicer. 
We have sent them copies of the agreements and begged them for help but so far they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I defaulted on a set of loans from Discover a few years ago. However, despite making all of my payments at times late, but always paid in the month it was due, for over a year, they still call me sometimes multiple times a day. 

I have called them multiple times to ask them to stop. They have not. Any number in the images below with the number XXXX XXXX XXXX XXXX XXXX is from Discover Student Loans. 

This is harassment. This should be illegal. They literally call me the day after I have made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
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: Information belongs to someone else

Complaint:
I have contact all 3 credit bureaus to inform them of fraudulent activitys on my credit.i also sent copies of police reports where there were someone who was arrested for using my name my social security. I would appreciate all things on my credit be removed and not placed back on my credit with this fraudulent activity it stops me from being able to get 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 2019-07-29
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage company gave me three options repayment, forbearance and foreclosure. The repayment method did not work out because I missed a payment. I am on a fixed income and my wife does not work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: GreenSky, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
They claim my credit score is below 700, when actually it is above 710

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
the school went out of business and declare all debt uncollectable

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 2017-07-31
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2018-07-13
Company: Home Point Financial Corporation
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased home in

XX/XX/XXXX. In the start of XX/XX/XXXX I tr
ied to remove PMI, had multiple attempts through calls and emails and never got a clear answer why I could not remove. 
In XX/XX/XXXX, Escrow statement sent, shortage, needed to pay in full {$3800.00} or it would be spread over 12 months combined with the increased new payment added {$630.00} each month. 
I have an excellent credit score and  trying to keep that integrity as well as maintain payments so I can live in my home. I find this 64 % increase unacceptable and hard to believe its legit. I have called, emailed and went to this lenders website. I have experienced " number not in use '' messages, extremely busy messages, and also 2 live calls resulting in being put on hold and promised when the supervisor is free they would call back, but never have. Recently, I have been sent automated emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all stating the same thing that they are waiting to hear from me. I did get a reply but that individual stated " I'm sorry that was an automatic email that's going out. They haven't turned them off yet. I am no longer originating loans for ( ), they are closing the XXXX office. You may want to go to XXXX for the lowest rates in your area right now ''. 
So I can't get in touch to discuss and now I question how accurate and legal this all is. I did XX/XX/XXXX payments to cover the shortage and new payment, but I would like this matter looking into and get some clarity on why such a dramatic change. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the following accounts in full. I am a single mother of 2 who has plans of eventually buying a house. I was denied. This motivated me to check my credit report and I realized that these accounts that I paid was negatively affectIng me. 
XXXX XXXX opened XX/XX/XXXX XXXX XXXX-opened XXXX, XXXX XXXX XXXX- opened XX/XX/XXXX XXXX XXXX , XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had informed First National Bank of Omaha in the month of XX/XX/XXXX that i had been taken off work due to a XXXX XXXX i contacted from a XXXX. The representative stated I would receive a letter with a form for hardship. Time passed as my health declined i was transitioned to XXXX XXXX for care. Now over a year later i attempted to buy my XXXX this current month of XX/XX/XXXX and found a levy placed on my bank account that was now at XXXX dollars from my XXXX check as well as a hold on my moms safe deposit box. They had filed suit at the XXXX court with a judgement for {$5200.00}.

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 2019-10-15
Company: United National Services
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2015, XXXX to XX/XX/2015, XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-15
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX agency has called my home everyday for over a month. I spoke to them and told them the person they wanted was not at this number. Their number is 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 2017-07-31
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i find it funny the last time i called them i was told they didnt have a current address and was getting returned mail but never called. but today i was told by the manager that they had my current address on file for awhile ... so please tell me why you were send to the wrong address on file and not the current one. i feel like you have tried to push a suite that i was calling on and trying to make sure you had everything you needed sorry my hoouse was condemned not my fault at all - i have gone into debt for this happening and i am sueing submit for this. this is very rude to send to the wrong address so you could sue someone for more money - the law is i dont have to pay you what you ask for - i was never offered any thing nor received anything from you. you are a very sneaky company and now that i know you have all my current information and have this whole time ... serve me right. all if is funny that the response to my last claim is send to the name of my husband ... so i dont know who you are collecting on but you sent it to me for my debit. if you are trying to collect on my husband you will need to mail him a notice - cause we have no clue whonm this debit is for. this is to nasty ... your a horrible company that has no heart for other nor follows the laws or rules for your company with lies over and over which i have proof of everything that has been said to me and your manager even stated when i call the first time it was not even filed yet was just filed so i was threathed suite last complaint and you have not even filed it ... i was at work on all these calls so they are recorded and can be used for court as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My father gave a check of to cover my college expenses that I have just started in XX/XX/2021. The check was for {$50000.00} I deposited the check on XX/XX/2021. They told that the money would be available on XX/XX/2021. Couple of days later I was surprised to receive a letter on XX/XX/2021 from Chase bank telling me that they would close my account. XXXX XXXX I received a cashier 's check from Chase bank for the amount of {$640.00} I was surprised that they ignored my deposit of {$50000.00} completely. My father and I who has the same problem with Chase started talking and claiming with Chase bank even when my dad provided them with ever proof possible to validate the check. All has been in vain with my money holded back for no credible reason, this is not fair and this not how a bank like Chase should treat its customers. I need my money urgently because I have no other way to my tuition fees. I want to remind you that I am student at XXXX College XXXX XXXX and XXXX and my father issued the check so that I can continue my school but they put a hold in the deposit of {$50000.00} without explanation. 
The check as I was told by XXXX XXXX XXXX was cleared and cashed but yet they have not sent my money back. I urgently need the money to pay my school.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: EQUIFAX, 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: 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello- XXXX XXXX has been servicing my loans for three years now. I continue to make monthly payments way above the monthly payment. XXXX has made it very, very difficult to take the additional payment amount and allocate it to a specific loan series. Origiannaly I was told to submit a standing order with instructions on how additional payments should be allocated. I did this and the letter was ignored. I called in to customer service to ask for this to be done over the phone. They told me to submit a form. After explaining I already had and asking to speak with a supervisor A request was submitted to reallocate. These calls typically take an hour during workday. I spend a lot of time educating the agent in the process and my rights. It then takes weeks or months for the really payment to be correctly credited. And I have to continue to follow-up via phone. Last month I called to do this for several payments. The processing agent asked me to check online in10-14 business days for the adjusted payment break downs. It was not done then so I called back. Another agent told me to wait a month which I have done. The adjustment should haves been made. I asked the agent when I can expect to see the adjustment and he told me that was backed up, he would ask his supervisor and then told me he could not provide a timeline. He asked me to check back later, already a month after. He explained the department was backed up. In the meantime, I have continued to make payments monthly. These payments also need to be targeted to certain loan sequences. I am left waiting for prior adjustments to be completed before I can even request these new payments be allocated. This an unacceptable processing delay and unresponsive customer serivce. I should not have to battle with service provider to have have additional payments correctly applied. XXXX continues to process payments in manner that is financially beneficial to them and ignores my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Unauthorized Inquiry on my credit 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 2019-10-15
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2019 contacted lender recommended/provided by my current mortgage servicing company to inquire about the FHA Streamline Refinance and decided to apply. 

XX/XX/2019 Signed/Returned First Interest Rate Lock Agreement with Freedom Mortgage from 4.50 % to 4 %. Mortgage Processor XXXX XXXX. 

XXXX XXXX, 2019 Provided additional information as requested. 

XXXX XXXX, 2019 Scheduled call Appointment with XXXX XXXX to finalize documents, at her request for XXXX XXXX, 2019 at XXXX. She never did call so I sent her a text message to see what was going on. 

XXXX XXXX, 2019 Email from XXXX XXXX my Mortgage Processor is XXXX XXXX. 

XXXX XXXX, 2019 Contacted current mortgage servicing company, XXXX to express my concerns of being handed down from processor to processor and not getting anyone to call/text me status of my refinance request. They connected me with the first person I originally spoke with, XXXX XXXX. When he called me back I told him of my frustrations with the company and for my troubles I now wanted the current listed refinance rate of 3.50 %. After speaking with his supervisor I was granted the 3.50 %. 

XXXX XXXX, 2019 Signed/Returned New Interest Rate Lock Agreement - Expires XX/XX/2019. 

XXXX XXXX, 2019 Email from XXXX XXXX - My new Mortgage Processor is XXXX XXXX. 

XXXX XXXX, 2019 Emailed XXXX XXXX for status of refinance. 

XXXX XXXX, 2019 Email from XXXX XXXX - My loan has been reassigned to XXXX XXXX. 

XXXX XXXX, 2019 Emailed XXXX XXXX copy of same email sent to XXXX XXXX for status of refinance. No response. 

XXXX XXXX, 2019 Called XXXX again for assistance due to Freedom Mortgage not responding to me by phone/text. This time I was told I had to take it up with Freedom Mortgage and called the number they gave me. The receptionist assured me she would get in touch with XXXX XXXX who was currently out of his office ( she further stated we work in the same building ). Paid current Mortgage online. 

XXXX XXXX, 2019 contacted HUD about filing a complaint and obtaining a list of approved lenders in my area in hopes of finding a professional and responsive lender to work with so that I can proceed with my streamline refinance XXXX XXXX, 2019 XXXX XXXX ET still no call/text from Freedom Mortgage.

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 2018-07-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth/Third Bank recently ( XX/XX/2018 ) purchased ( unfortunately ) my mortgage from XXXX XXXX. My correct escrow balance at this time is {$1900.00}.

Fifth/ Third Bank states I have {$800.00} as my escrow balance. They have conveniently misplaced ( or stolen ) {$1100.00} from my escrow account as shown/stated in the Annual Mortgage Escrow Statement they provided me about 2 weeks ago. I have called them 4 times about this shortage, and they promise to fix, but they don't.As far as I am concerned this is fraud and larceny.

Company response to consumer: Closed with explanation