BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Account # XXXXThrough Freedom MortgageMy account was paid in full XX/XX/XXXX, my remaining escrow balance of $1200.00+  was (per customer service at Freedom) mailed to me XX/XX/XXXX. I received my copy of Deed of reconveyance letter from them also dated XX/XX/XXXX, but no check at all. I asked them to please check their servicing department to see if the mail actually went out, or got lost interoffice, they stated no it was sent out.  It has been 16 days and mail does not take that long. Their only suggestion was they would have to wait 30 days, then stop payment on the check and then reissue it 10 days later.  That is not a timely manner to get MY funds back I paid them.I am a XXXX XXXX and deal with this all the time, and people usually get their checks back in 2 weeks time. I feel they are delaying this on their end and being deceptive about even sending the money and offered me no solution to return my money. I would HIGHLY recommend not using Freedom Mortgage to refinance or purchase a home, they have terrible customer service and do not follow rules set before them like other companies do.

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 2017-12-22
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had my FHA mortgage with XXXX XXXX XXXX for 7 years, I autopaid my mortgage and was never late with a payment. My housing costs were 20 % of my income and I had no financial hardships or issues with my mortgage. 

In XXXX XXXX I received a notice that my mortgage was being transferred to LoanCare , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) and that I would get a bill from them the following month, I did, I paid it by check and called to set up an auto-payment, I could not get through to anyone, I called dozens and dozens of times, it is an endless loop of automated phone messages. If you stay on for the full hour plus to get through all the prompts and ask to talk to a customer service representative, you get a recording to send them a written note by mail. 

They made it impossible to pay my bill, then after one month I started getting notices in XXXXnglish and Spanish that I was going to lose my house if I did n't pay, and started getting XXXX packages with notices to refinance with them ( I did not need to refinance and it would have not been financially advantageous for me to refinance ), if I called the number on their predatory lending arm, a person immediately answered, but said they could not help process my mortgage payments and had no way of communicating with their loan servicing arm. 

I ultimately had to pay for a lawyer to just get them to process my payment. I was moving in with my new husband and wanted to keep my townhouse as a rental and build my assets but they were so horrible I decided to sell then continue to fight with them. 

I felt like I had to register a complaint, I have sold my house but the reviews of this company are terrible - thousands of people have posted online that they have tried to take their homes or have taken their homes. I was lucky enough to be educated and have resources to protect myself, but many do not, this company is making it logistically impossible for working class people to pay their mortgages and then they are stealing their homes acting as if people failed to pay. They need to be taken to court, and possibly be held criminally liable. This is beyond bad business practices.

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 2020-07-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Issues with equifax reporting mixing up account disputing wrong account Dispute my positive accounts losing 20 point after paying down positive account and next account I've paid to XXXX balance score drop 49 point

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: SYNCHRONY FINANCIAL
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:
XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX -- ( XXXX ) XXXX AND XXXX XXXX I, AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX 
BALANCE : {$2000.00} IN XX/XX/XXXX XXXX XXXX XXXX NOW KNOWN AS XXXX  SOLD THIS ACCOUNT TO XXXX XXXX I, XXXX. IN XX/XX/XXXXXXXX XXXX SUE ME IN COURT TO COLLECT THE DEBT. DURING THE COURT PROCESS XXXX XXXX COULD NOT PROVE THE DEBT AND FILE A VOLUNTARY DISMISSAL OF THE CASE. SEE EXHIBITS.

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 2020-12-08
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
paypal steal my money, They took the money out of my balance without authorization and notice because I had violated Acceptable Use Policy violation.It 's ridiculous.For this reason they have frozen my funds for 180 days.During this period, the money was not refunded due to buyer 's refund, This is enough to prove that there is no risk when trading.But they still took my money.What right do they have to take my money? PayPal is just a method of payment, They stole my money for some invented reason without any damage to the interests of the buyers and sellers. They are robbing me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear XXXX XXXX  Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what XXXX responded they confirm that this account is accurate. 

Creditor : XXXX XXXX, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XXXX of XXXX has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely 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 2019-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/2019 I used XXXX via my Capital One 360 checking account to send {$30.00} to XXXX XXXX for goods I never received. He vanished and there's no way for me to contact him ; I was scammed. 

I contacted Capital One in an attempt to get the {$30.00} back, but they were of no help. This is the message Capital One sent to my e-mail : XXXX Re : Claim # XXXX We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error. 

You can still try to resolve this directly with the merchant ( s ). 
************

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called 'Portfolio Recovery ' calls from a different number 2-4 times a day. Each time I block it another one pops up and this has been going on for about a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am co-signer ( mother ) of loans that was received over the course of my daughter going to school. First off, I don't even know what the name of this company is after reading numerous complaints against them. Is it Sallie Mae or is it XXXX? They have told me numerous times that they are Sallie Mae and do not know who XXXX is? 

We have been trying to talk to Sallie Mae/XXXX for years now and can not get anywhere. My daughters original loans were in the @ amount of {$10000.00}, but now that has doubled because of interest. That is astronomical amount for interest! How can they do this to these young adults trying to make it in this world. I made {$25.00} dollar payments for months and at one point I cancelled but they still was taking {$25.00} taken out of my account without my authorization. I wanted my daughter ( borrower ) to start taking responsibility and make payments herself on this loan. They would not work with her on making an affordable payments, kept calling me first or her grandmother ( who lives in assisted living, battling XXXX, and is a widow ). Months of harrassment is an understatement, and when you try and talk to them, you are told something different everytime you talk to somebody. You are on the phone for hours for nothing. 
One week ago, I thought we finally had come to an agreement for an affordable payment for my daughter to make ( after years of getting no where, but interest still being added ). My daughter was to call back, to set the program up to make regular payments every month. When she called, she was asked how she could make payment every month ( which was worked out from the call a week ago ). She told them that she would re-budget. The person from Sallie Mae told her, that was not going to help making the payment and that they need concrete details and if they do not get them, the program wouldn't be approved. What????? She was approved for this one week ago, now its changed?????? My daughter has a new baby, working full time, trying to make it in this world. How do you call yourself a trusted student loan company???!!???? You are not helping students, you are just stealing money from these young adults and their parents. Trusted loan company is a joke of a statement. More like Fraudulent loan company!! This company should not be in business! Something needs to done with their manipulative and fraudulent actions!!! 

Frustrated, Concerned parent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted my Identity theft to the following credit bureaus Transunion and XXXX. I supplied them with Proper documentation and the law stating that FCRA 605B ( 15 U.S.C. & 1681 c-2 ) that items must be removed with 4 business days of receiving. These companies are refusing to remove and block the information. Which is clear Violation of the LAW.

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 2017-12-21
Company: Torres Credit Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Torres Credit Services is attempting to collect on a debt that I do not owe to them. I 've never heard of this company or done any business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear XXXX XXXX  Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what XXXX responded they confirm that this account is accurate. 

Creditor : XXXX XXXX, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XXXX of XXXX  has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiry against my credit report exists, without my knowledge, and consent by XXXX XXXX, on XXXX/XXXX/XXXX, which I dispute and would want to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear XXXX XXXX   Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what XXXX responded they confirm that this account is accurate. 

Creditor : XXXX XXXX, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XXXX of XXXX  has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely 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 2020-09-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our company financed a manufactured home that had am active lien from another lender on XX/XX/XXXX. We have not received a lien release at this time and it has been over 60 days since the prior lienholder has received the payoff. We can not currently apply for this title and secure our colleterial. 
After closing we sent the payoff amount to the current lienholder. We did not receive a lien release as of XX/XX/XXXX and contacted the company. They asked for authorization documents to release information to us and would take another 5 days to upload into their system. We faxed over the authorization documents the same day. We contacted them on XX/XX/XXXX and were told that they received the authorization documents but to wait another XXXX hours for them to be uploaded. Contacted them again on XX/XX/XXXX and was told that the payoff was received on XX/XX/XXXX and they would release a lien release within 30 days on XX/XX/XXXX. Contacted them on XX/XX/XXXX and was told that they issued a paid in full letter on XX/XX/XXXX and a lien release on XX/XX/XXXX. We asked for copies to be faxed and was told they would fax them to us. Contacted on XX/XX/XXXX and was told that both letters were not scanned into their system yet and could not fax them and to try back in a week. On XXXX and XX/XX/XXXX we were told the same thing again. We contacted the county that the home is located in on XX/XX/XXXX and told they had not received a lien release. On XX/XX/XXXX, we contact a 3rd party company hired by the existing lienholder to assist and told to follow up with them the following week. Contacted the 3rd party company on XX/XX/XXXX and XX/XX/XXXX, we were told they were hoping to have the lien release letter to us that week and to follow up on XX/XX/XXXX if not received. We contacted them again on XX/XX/XXXX and were told we would have the documents by XXXX. Contacted again on XXXX and told they are hoping to have the documents by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CMG MORTGAGE, INC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was shopping for mortgage rates in XXXX, I was about to Choose a XXXX XXXX when I a local regional manager for CMG financial call me and offered me 2.75 %, I confirmed in email that I would pay not points. XXXX XXXX responded in email that it cost 1.25 % but he was giving me a lender credit to cover the points. Now fast forward XX/XX/XXXXand I receive my final disclosure and there are the points with no lender credit. So I emailed XXXX only to get some lie of an explanation that they didn't know it was a mobile home until the appraiser. But my agent has communication with them that we had to change title companies because that title company didn't do manufactured homes. That was early in the process. Now I'm 3 days from closing and they will cost me my home with their lies and deceit. What can be done about this? Its basically lock you in thinking your going to get your home an they switch the interest rate trying to take your dream away from you. 

I did try and resolve this I forwarded the email that had the communication with the area manager to the loan officer, and asked if they would put the lender credit on the disclosure like promised, no response. XXXX XXXX told me he already paid 1.25 % and gave me credit when he locked the loan but this can not be true because it is not on the disclosure so they still owe me the lender credit promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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