BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing in regards to my current mortgage company Selene Finance, a couple years ago due to knees replacements I sustained financial difficulties in which my house went into foreclosure resulting in court proceedings with said company causing court fines/fees from Selene Finance to be attached to my mortgage, Selene Finance also attached a private mortgage insurance which increased my monthly payments from {$3300.00} to {$3400.00} and currently {$3600.00}. On XX/XX/XXXX after speaking to a Selene Finance representative who stated I will have to submit an email to the company and that a response would take on or about thirty days in which I submitted as per my bank statements all payments made. I owed from XX/XX/XXXX to XX/XX/XXXX a payment of {$10000.00} was drafted from my XXXX account on XX/XX/XXXX, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00}. I owed XXXX to XXXX and on XX/XX/XXXX {$10000.00} was drafted from my account. On XX/XX/XXXX $ {$3500.00}, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00} and on XX/XX/XXXX {$580000.00} was drafted from my account. I was prompted by their automated system while paying my monthly mortgage payments that there were fees attached to my mortgage in which I emailed Selene Finance to dispute about non payment of the fees which clearly showing the difference of my monthly payment and that of payments where the fees where paid. I spoke to another representative who stated that as of XX/XX/XXXX my private mortgage Insurance will no longer exist however my XX/XX/XXXX mortgage payment explanation of amount due is as follows : ( Principal $ {$930.00}, Interest {$1400.00}, Escrow ( for taxes and or insurance ) XXXX Regular Monthly Payment {$3600.00} ) and ( Total Late Fees and Other Charges {$3500.00} ) total {$7200.00} which clearly their record and automated recording should have shown that the payments were already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX we paid our mortgage loan in full with Associated Bank. Since then, we have received several pieces of correspondence in the mail confirming this, as well as a letter confirming the amount that had been escrowed for insurance and taxes which we would receive via check. Since over a month had passed and we had not yet received the check and taxes are due at the end of the month, I called their customer service on XX/XX/XXXX. The representative said that a check had been issued, though he was not clear on the date, he provided two different dates. Concerning, since we had received all mailed correspondence up to this point. Even though we have had no issues with our mail, I provided our new mailing address and he indicated the check would be reissued. Still having not received the check yet today, XX/XX/XXXX, I called again with concern for having the funds to pay our taxes on time. This time the representative informed me that we needed to sign a stop payment affidavit in order to have the check reissued. Trying to do what I could to resolve this issue, I got in my car and drove to the local branch only to find it closed. I called back again, and was then notified that only in-grocery-store branches were open today, none being within 40 miles of us. I then asked to speak with a manager who could only reiterate that the check had not been reissued and we had to go to a branch to sign a stop payment. We continue to follow up and try to be proactive, only to be misled. We have had no issue with our mail, so its interesting that the only thing we dont receive is this check. They have made no attempt to rectify the issue, and feel no urgency in handling the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
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: Information belongs to someone else

Complaint:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is ( 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 2020-10-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
For the past several months I was harassed by The XXXX XXXX XXXX XXXX XXXX with regards to a credit card that I opened in XX/XX/XXXX. Every month I made my payments in full and on time. But back in XXXX of XXXX, I lost my job due to the current Pandemic and was unable to make my payments on time. I called the XXXX XXXX XXXX XXXX XXXX and explained my situation, but the did not accept my reasons for the delayed payments and did not off any assistance. In fact they insisted that I make full payment otherwise I would acrue late fees on top of my balance. So with that, I said I could try, but it would mean choosing between feedingy family or starving. I chose my family and thus didn't make any payments. What happened next was terrible as each and every day I received up to 5 phone calls from XXXX XXXX XXXX XXXX XXXX XXXX demanding payment. 
This went on for 8 months. This was definitely harassment during a very dire world epidemic. But they didn't care and all they wanted was their money. They reported me to all 3 Credit Bureau 's and my credit score was badly affected. More over, on XX/XX/XXXX, I was finally able to pay off my balance in full of {$370.00}, yet The XXXX XXXX XXXX XXXX XXXX claimed to all 3 Credit Bureau 's that I never made any payments. I have proof from my account that a payment was made in full and I also have proof that the amount was debited from my Checking Account. So I want to file a fraudulent claim against XXXX XXXX XXXX XXXX XXXX XXXX and demand they update my information with all 3 Credit Bureau 's and remove any defamatory remarks This is affecting my chances of getting a new job and getting a new apartment. They Lied and now I am paying for it. I will seek a lawsuit against them if they do not resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently became unemployed and also had to move to another city. Because of this hardship, I reached out to U.S. Bank for liquidation options since I was no longer living in the home and could no longer afford the payment. I was assigned to a Specialist and then to a Negotiator. The Specialist was ok at reaching out to us and communicating but I have never spoken to or received an email from the negotiator as requested. I had issued scheduling an appraisal because I now live 2 hours away from the property and I had communicated this with the appraisal company. All of the dates and times that I requested were not available so they suggested that I get a lockbox. During this time I had not received any phone calls from U.S. bank regarding my loan status. I received one phone call from a restricted number at XXXX in my time zone which I had never previously authorized and the name and phone number provided on the voicemail did not match any information previously provided to me by U.S. Bank. Other than that there had been no other phone calls to me. After I went and put the lock box on the property, I called the appraisal company to set up an appraisal time and was informed that the assignment was cancelled. U.S. Bank NEVER called me to inform me of this which I strongly believe they should have. I called U.S. bank on XX/XX/XXXX and requested to speak to a manager who confirmed that my file was closed due to not being able to do an appraisal even though I was in constant communication with the appraisal company. He advised me that I had to fill out another application and resubmit all of my information which I was very frustrated about. I asked him if any foreclosure process has begun and he stated no, and that can be prevented as long as we resubmit our docs which we did that same day. We were reassigned to the same specialist and I was able to successfully schedule an appraisal. Today XX/XX/XXXX, exactly a week later I received notification that a foreclosure has been reported on my credit report. I feel like I was mislead and lied to. I did everything I was told to do to prevent my loan from going into a foreclosure status and was assured that as long as I did those things my loan would not go into that status.

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 2020-06-27
Company: Fay Servicing, LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Faye servicing has indicated about a balance I owe on the property and due to covid I was having a hard time paying it. I am finally able to pay but FAYE will not pick up their phone or if they do they hang up or send to Voicemail ... .I am 3 days away from froeclosure according to the lender who has reached out to me. Servicing a loan can not be this bad where they push you to FC even though you want to pay and catch up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously had an account with XXXX and had my service terminated. They sent me a collection bill a few months ago in which I have paid. They are still reporting it on my credit report and has yet to remove it from 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 2020-09-02
Company: CITIBANK, N.A.
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:
This XXXX/DNB has been fraudulently and i called the collection agency and requested original documents that show proof of account being mine which was requested a week and a half ago, they have not complied.

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 2018-12-28
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have did a dispute in XXXX regarding Discover, and they said it wasn't a mistake. I know I was living in a shared residence with other people sharing a mail box that could have got their hands on sensitive information of mine. 

In addition, I feel like I'm a victim of Identity Fraud, I know that I have to get a special number to file with. I would like this off my credit and I'm tired of arguing about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28
Company: Merchants and Medical Credit Corporation, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to remove this erroneous debt from my credit profile for years. Despite my disputes, M & M has refused to remove the account from my credit profile. I have sent multiple letters requesting that the account be removed if it could not be validated under the appropriate guidelines. Specifically : On XX/XX/2017 Merchant & Medical reports debt owed to credit agencies On XX/XX/2017, I sent a letter requesting that M & M validate the debt within 30 days and if they did not do so to remove the account and stop contacting me. 

On XX/XX/2017, I received communication from MM dated XX/XX/17 restating the debt On XX/XX/2017, I replied with another validation letter which was signed for by M & M on XX/XX/2017 I did not receive another response and on XX/XX/2017 I sent a final letter requesting that the account be removed after M & M failed to comply with my validation requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following inquiries have been reported fraudulently. 

XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XXXX  XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Quite unsure why i have loans open under my name for a vehicle that i did not purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment on XX/XX/XXXX that was never applied to my account. Since then they are constantly saying I'm a month behind, charging fees etc. I sent them a screenshot of my bank account showing that transaction and they claim that wasn't good enough. I have been calling for months and been told my account was current, it wasn't until three weeks or so ago that someone finally could tell me what the issue was. This has ruined my credit, I'm selling my home and it closes in three weeks, I'm positive if I stay under this mortgage company i will lose my home because they are completely incompetent.

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 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Contacted Transunion XX/XX/XXXX about unauthorized inquiries they responded 2 days later as verified. There is no way I never had any deals with any company listed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 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 2019-03-21
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been harrassed for 2 years. Ive tried repeatedly to report issues but my mobile device is completely taken over. I have numerous linked accounts. Websites that are fake made to look like its mine. XXXX accounts with young children videos. Fundraising falsely made. Many many more issues that i will gladly answer to. Also most importantly i was not allowed a phone for the past 6 years until XX/XX/2018. I need this matter looked into. I have lost friends, family, jobs and relationships. To the point of suicide thought. Also went to see doctor and im certain their office was hacked because i was prescribed XXXX XXXX   of XXXX which is high dosage for XXXX time n doctor told me would prescribe XXXX and XXXX. Please return my call at XXXX XXXX XXXX or leave msg at my XXXX phone XXXX XXXX XXXX. Thank you

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 2021-01-31
Company: Santander Consumer USA Holdings Inc.
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: Account information incorrect

Complaint:
Santander consumer usa reporting inaccurate late payments info to credit bureaus. Dates:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Date of fraud was XX/XX/2021. Total amount of money lost : {$210.00}. The issue in question was a fraudulent transaction that took place on XX/XX/2021. The fraud involved money being withdrawn from my Bank of America ( BOA ) account and transferred to another account via XXXX without my authorization. I reached out to BOA and spoke with a rep. whom transferred me to the fraud department, after back and forth for two weeks I called again to only be told there is nothing they can do, they advised me to call my phone carrier to prove to them it is fraud. If they know where the money was transferred to why can't they just reverse the charges I did not approve. I contacted sprint my mobile carrier and their response was " this is beyond our capability and it is the bank 's issue and I needed to contact thier fraud dept. which I have and didn't get anything resolved. However, Bank of America has declined to refund me for these claims, account was accessed without my authorization

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 2020-08-20
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:
XXXX XXXX  violated numerous laws in the conversion of consumers property as indicated in the attached complaint filed in the XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: CIT BANK, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to be included in the settlement that was litigated or being wrapped up by XXXX XXXX XXXX XXXX. I had a mortgage with XXXX and it startred to be serviced by XXXX. I had difficulty making my mortgage payments during the downturn in the economy. I struggled from XXXX XXXX. I attempted to obtain a modification a number of times during this period and that is when the transferring of the mortgage occured from XXXX to XXXX to XXXX XXXX. It was a very stressful time. I finally lost my home to foreclosure. I am including documents ( attached ). I have tried to resolve my complaint by contacting the Illinois Attorney General 's office, and I have included their " WEAK '' response to my effort in their latest letter dated XX/XX/XXXX. I therefore reach out to CFPB.

Company response to consumer: Closed with explanation