BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
DATE : XX/XX/XXXX IT COMES TO OUR ATTENTION THAT THE LOAN SERVICER SLS AND ACCOUNT MANAGER XXXX XXXX HAVE WILLFULLY MISREPRESENTED US IN COMMUNICATING WITH THE INVESTOR, XXXX XXXX XXXX XXXX ( XXXX ), WITH REGARDS TO OUR OFFER TO SETTLE THE ACCOUNT AS A SHORT SETTLEMENT. 

IN A MAILING TO US FROM SLS DATED XX/XX/XXXX, OUR CREDIT SCORE WAS STATED AS XXXX * AND GIVEN TO THE INVESTOR FOR APPROVAL OF OUR SETTLEMENT OFFER. HOWEVER, AT THAT TIME OUR XXXX SCORES REPORTED TO SLS IN XXXX AND XXXX WERE ALL ABOVE *700*. 
SO SLS KNOWS OUR XXXX SCORE IS ABOVE 700, BUT THEY ARE TELLING XXXX THAT ON XX/XX/XXXX OUR SCORE IS XXXX. THEY LIED. 



ON XX/XX/XXXX XXXX OF SLS TELLS US AT THE BEGINNING OF THE TELEPHONE CONVERSATION THAT SHE HAS NOT SENT OUR LATEST SETTLEMENT OFFER TO THE INVESTOR FOR APPROVAL. SHE SAYS THAT SHE WILL DO SO EITHER TONIGHT OR IN THE MORNING. LATER IN THE CONVERSATION SHE IS ANGRY AND TELLS US THAT OUR OFFER HAS BEEN REJECTED, OBVIOUSLY, SHE MAKES MAKE THE DECISION WITHOUT SLS MANAGEMENT OR INVESTOR CONSENT. 

WE ASKED XXXX OF SLS, TO PROVIDE US WITH THE INVESTORS CONTACT INFORMATION. WE RECEIVED A LETTER WITH THE WRONG ADDRESS FOR XXXX, NO EMAIL ADDRESS, AND NO PHONE NUMBER. 
WE HAVE FILED A FEW COMPLAINTS WITH THE CFPB, BUT THEY ALSO LIED TO THE CFPB. 

XX/XX/XXXX, WE RECEIVED A MODIFICATION AGREEMENT WITH A PRINCIPAL BALANCE INCREASE OF XXXX, ( IN THREE MONTHS ) INCREASED INTEREST RATE FROM 4.875 TO 5.375, IN 3 MONTHS, WITH AN INCORRECT XXXX SCORE OF XXXX. 

THIS IS A VIOLATION, ( PREDATORY MORTGAGE SERVICING ) OF UNFAIR, DECEPTIVE, AND FRAUDULENT PRACTICES BY SPECIALIZED LOAN SERVICING AND THE INVESTOR, FORCING US TO AGREE TO UNFAIR AND ABUSIVE LOAN TERMS WHICH WILL MAKE IT DIFFICULT FOR US TO MAINTAIN AT OUR XXXX  AGE. 

CFPB, PLEASE ADDRESS THIS MATTER AND FORWARD OUR CRY FOR HELP TO ALL AGENCIES THAT CAN STOP THIS ABUSIVE BEHAVIOUR OF PREDATORY MORTGAGE SERVICING OR INVESTOR UNFAIR AND ABUSIVE LOAN TERMS. 
SINCERELY XXXX AND 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 2017-07-12
Company: EQUIFAX, 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 'm in the process of buying a home, my lender pulled my credit and an account just reported XXXX XXXX XXXX XXXX for {$10000.00} collection account which is NOT mine. This is false information. This needs to be removed ASAP. AGAIN THIS IS NOT MINE AND NEEDS TO BE REMOVED. Your company 's inaccurate reporting is costing me a lot of money and to buy a home. PLEASE HELP ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: First Data Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was offered a credit card machine through XXXX XXXX XXXX for my small business. I was approached with this offer by a salesman at my place of work in XX/XX/XXXX ; I did not seek it out. The XXXX salesperson showed me the cost of the machine, but he did not mention that I would be leasing it from XXXX XXXX XXXXXXXX. I found this out when signing the paperwork.
<P/>In XX/XX/XXXX, XXXX closed my account because my business was classified as a money service business. Nothing about my business practices had changed, so XXXX should have known this classification from the beginning. With the XXXX account closed, I was no longer able to use the credit card machine. However, XXXX XXXX XXXX would not allow me to cancel my lease, despite sending the equipment back in XX/XX/XXXX. My options were to continue leasing a useless machine for three more years or to end the lease by paying an opt-out fee. In order to end the lease, I was required to pay more than five times the total market value of the credit card machine even though I was not the party who had closed the original account. <P/>While I was disputing this with First Data, they sent the balance to collections which put a hold on my business credit line. <P/>In conclusion, I was misled by XXXX bank on multiple counts : 1 ) Leasing the device from a third party and 2 ) my business ' eligibility for an account with XXXX. I was then bounced between XXXX and First Data customer service, and then ultimately frustrated by First Data 's unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX has over {$5600.00} of my hard earned money on escrow account but is not making any payments and i have been receiving letters from the county for missed payments. 

I have called XXXX multiple times and they keep promising to fix the problem and nothing happens. Just called again tonight and they tell me they are raising it up higher, same thing they told me last week. They have copies of of all the tax bills i have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: Their investigation did not fix an error on your report

Complaint:
I sent Equifax, XXXX and XXXX letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave Equifax, XXXX or XXXX consent to furnish this information which is a direct violation of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I made a {$1000.00} payment for future delivery of a custom made rear bumper with XXXX by ACH with Wells Fargo via account # XXXX. I paid the additional balance of {$2200.00} on XX/XX/2018 per their request. They estimated 8-12 weeks for completion from the original order date. After repeated delays and a lack of communication they ultimately stated that they didn't know when they would have they product completed. At that point I began asking for a refund and they are now unreachable via phone or e-mail. I filled for a refund with Wells Fargo and they denied the claim saying that I should take it up with the vendor ( XXXX ). As I stated they are unresponsive so I have no recourse with them. XXXX has violated the terms of our agreement by failing to deliver the product.

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 2019-06-11
Company: First Data Corporation
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
TeleCheck , Inc., along with its associated debt-collection entity, TRS Recovery Services , Inc., agreed to pay {$3.00} XXXX to settle charges of violating the Fair Credit Reporting Act, the FTC announced Thursday. 

trs is hounding me for {$100.00} dollars been cashing checks at my local supermarket stop and shop XXXX nj for over 10 yrs no problems then check was rejected and im being hounded for money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Last year in early 2019 my family had a financial hardship. My mortgage company Freedom Mortgage worked with me to get a modification on my loan to lower my payments. I am very grateful for this company and do appreciate the new payment amount. However, I was not informed on how long of a process this would take. I provided all my documents in a timely fashion and the process took much longer then it should. If I would have known this would cause me to miss 7 months of mortgage payments and decrease my score and my wife 's score drastically, I wouldn't have made this decision. This has affected my financial situation in a different way now. This modification process just transferred financial stress from me not being to pay my mortgage company to now not being to pay all my other accounts with other companies because now my interest rates are extremely high and I can't keep up with the payments. This has put financial stress back on me and my family & I know this isn't the goal of a loan modification. I worked really hard to get a XXXX credit score when I bought this home and now I'm in the low 500 's (  and XXXX my wife ) because of the long process I was unaware of. I did call several times during the modification process as was worried something was wrong since it did take so long to get completed. 

I have called to speak to someone at Freedom about possibly removing some or all of the late payments but they said they are unable to do so. Again, I'm so very grateful for the modification but I wasn't informed on how long of a process this would take and would have taken that into consideration before going through with this process.

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 2022-02-15
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account. 
The account was under XXXX XXXX ( Original Creditor : XXXX XXXX ) last updated in the sum of {$540.00} on XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I made an application for a mortgage product at Td Bank. According, to the officer I needed an additional person or persons on the mortgage application because I am single. In that case, I talk with my parents. Therefore, I told the officer to add my parents. Later on, when she was ready to call them. I told her to call with a translator because they have limited English. After that, me o my parents have not received any calls from Td bank regarding our application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX CALLED ALL THROUGH THE DAY ( ROBO CALL ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX   ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX THERE IS A LOT MORE ..

DO NOT HAVE SPACE TO LIST THEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
They sent me a letter telling me that my information was hacked from the XXXX XXXX so im getting alot of bad reports on my social security numbet

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 2021-01-22
Company: ECMC GROUP, INC.
State: AZ
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 a victim of identity theft someone had opened and applied for student loans two of them. ECMC is the collector.

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 2020-02-14
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020. Logged in successfully to my Equifax account, was able to see my credit report and credit score but was not able to permanently remove the security freeze. 

Called after hours so could not speak with a representative. Tried to answer security questions but it did not work. The questions were about loans that I have never had so all I could answer was " None of the above ''. 

XX/XX/2020. Called but the phone call was terminated after approximately 7 minutes without even a chance to speak with a rep because the automated voice system started asking a quality survey and I refused to answer because I had not even exchanged a word with someone. 

Called again and asked a customer service rep to permanently remove the security freeze. She said it is not possible by phone and I must send a letter with a copy of my Social Security card and a copy of my driver 's license. 

I said that I had the PIN number to unfreeze and she said that they do not use it anymore. I said that the PIN functionality worked very well with the automated calls with XXXX and XXXX. I was able to permanently remove my security freeze with these 2 companies in just a few minutes. 

I said there is an issue with Equifax website not permitting the " unfreeze '' option when I can access all the other information in my Equifax account. She did not even acknowledge there was a problem with that. She just kept repeating the same thing, that the request has to be sent by mail. 

I asked to speak with a manager but she said that it would not make any difference and that it would not expedite my request. 

I asked if I can fax the request and she gave the number without even confirming that it would work that way. 

She said it will take 5 to 7 business days to process my request and that I will receive a notification letter in 30 days. I checked later on FTC 's website and it says that if done by phone, the unfreeze should be done within one hour and 3 business days by mail. 

I faxed my request but after reading comments on the XXXX XXXX XXXX website, I will also send my request by mail. I don't understand why I could not permanently remove the security freeze on the website or by phone when it was so easy with both XXXX  and XXXX  in just a few minutes by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: WELLS FARGO & COMPANY
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX my Wells Fargo account says my due date for a personal loan is XX/XX/XXXX and the amount owed is {$270.00} So XX/XX/XXXX you make a payment for {$350.00} ( 59 days before due ). After processing the due date remains XX/XX/XXXX and the amount owed is {$270.00}. 

So I email Wells Fargo and on XX/XX/XXXX they respond. Our loans are only able to be paid ahead more than 60 days. Mine was done 59 days which is under the 60 days mentioned. 

So I wait a few days and on XX/XX/XXXX I make a {$300.00} payment. After processing the due date remains XX/XX/XXXX and the amount owed is {$270.00}. 

I emailed Wells Fargo again and on XX/XX/XXXXthey respond Your personal line and loan can only be paid ahead 60 days. If it is more than 60 days, your payments will be applied to principle only payments. 

Yet XX/XX/XXXXwas 45 days from my due date well within the 60 timeframe. 

So I go to Wells Fargo in XXXX XXXX Mn on XX/XX/XXXX to talk to a banker. The Banker does some research and calls a Wells Fargo Office somewhere. He tells me there was some kind of glitch on their end and isnt sure why things were not changing. 

The good news he tells me is that an automatic transfer from my bank account to the loan in the amount of {$270.00} is still set to go for that day. 

In other words Wells Fargo forced me to pay {$920.00} for a payment of {$270.00}. 

The glitch was Wells Fargos problem not mine. Was given a due date and a payment amount and twice I paid within those guidelines and Wells Fargo refused to honor it.

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 2022-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
It was due to unfortunate circumstances with a situation that I was a cosigner on which happened between my brother and the property management company. There was a leakage in the bathroom sink that caused the bathroom floor to flood with water causing the ceiling damage to our downstairs neighbors. The property manager blamed my brother for the bathroom damage stating that when he moved in it was in great condition, hence not wanting to take on damage costs. We tried taking it to the XXXX  XXXX  XXXX  but unfortunately couldnt come up with enough evidence to overturn the damage costs. Along with the full security deposit, they ended up charging an additional {$10000.00} dollars. It was discharged in court last year when my brother filed for bankruptcy but it still shows up on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Credit Protection Association, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im writing to dispute an account fraudently opened in my name. Im a victim of identity theft and did not open this account. Im also a victim of identity theft and did not open this account. Im also a victim of the XXXX and XXXX breach. State ID and social security have been compromised. Im not responsible for any charges made to this account. I would like to request copies of any documentation, such applications or any other record showing the activity on this fraudulent account that provide proof I opened this account. According to federal laws this company is required to provide undeniable proof that this debt is valid.

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 2022-02-15
Company: Experian Information Solutions 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:
Experian is reporting the following accounts as potentially negative when they are not. They are paid. Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All These accounts are paid

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