BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a Hail Damage Claim on my roof. I sent the check to XXXX XXXX. Called two days later to have a final inspection done. The roof was repaired, but 1/2 screens and one broken window hadn't been completed yet. The claim amount for the screens and window totaled {$430.00}, .07 % of the claim check amount of {$6400.00}. My deductible of {$2200.00} covers these repairs. The bank/mortgage company on completion of the roof only sent 1/2 of the claim check instead of the full claim check, wanting to confirm all of the repairs had been done. I have been working in this industry since 1985, I have never had a company withhold 1/2 of the check if more than 90 % of the repairs have been completed. Now they want to send a 2nd inspector out ( it took 10 days to get someone the first time ) and wait again to mail me another check. I now have to pay the roofer the other 50 % of the funds out of my pocket and wait for reimbursement from the mortgage company. I know I am in a full repayment Chapter XXXX, but have less than a year left and have kept up all other payments. I feel that they are using my check as leverage and to also keep balances in their account, where they do not have to pay me interest, to use as compensating balances or required reserves they are supposed to have per federal regulations. It is a con job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
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: Account status incorrect

Complaint:
XXXX  is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ),  incorrect information must be deleted.

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 2018-06-19
Company: State Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was determined to be XXXX by the Social Security Administration. Although I received financial benefits I was not eligible for regular XXXX. I applied to the XXXX XXXX XXXX XXXX ( XXXX ). I was determined eligible at 100 %. 

My doctor decided it was time for me to have XXXX. After the XXXX I inquired to XXXX regarding unpaid bills. The XXXX billing office ( which I visited in person no less than twice ), referred me to XXXX XXXX 'for help applying XXXX ' to the unpaid bills. Instead of 'applying XXXX XXXX to bills ', XXXX XXXX said they were sending me a " XXXX application '' in the mail to sign. The documents I received were little more than a debt collection attempt. Documents authorized full access to my social security XXXX file appointing XXXX my authorized representative -and- granted XXXX XXXX access to all my financial records. I told them I would apply for XXXX on my own and would not make them my authorized representative. 

XXXX XXXX then marked my file " Non-Compliant '' which revoked all access to XXXX XXXX XXXX  XXXX a.k.a. XXXX XXXX '. I appealed the denial/revocation of XXXX XXXX. 

At that point XXXX XXXX XXXX ( speaking as XXXX XXXX with access to all communications with XXXX  and XXXX  ) wrote many emails to the effect that I was in fact " non-compliant with XXXX XXXX ''. When I presented documents and telephone transcripts to the effect - I did apply for XXXX, was approved for a XXXX Spend Down, and the only objection I held was releasing my entire life to XXXX my appeal was said to be won and I was again eligible for XXXX XXXX ( XXXX. ) -- at least I was on paper. However XXXX XXXX XXXX then reported to XXXX CEO that I was " non-compliant '' with XXXX  XXXX. CEO XXXX XXXX wrote me to get in compliance and only AFTER XXXX paid all the portion not relating to my spend down XXXX XXXX would cover the balance. 

XXXX/XXXX had/has no record of my non-compliance. When questioned in person, there were no documents to sign, etc. XXXX/XXXX simply told me to submit the bills for payment -- nothing more. Bills went into collections. The final statement I received from XXXX showed a balance of {$3000.00} - a balance that would coincide with my spend down portion. However the balance in collections is {$6600.00} - more than double the amount of my most recent XXXX statement. I have had no new XXXX appointments, proceedures, etc. 

I believe XXXX/XXXX used retaliation tactics to not only deny me access to healthcare ( at a vulnerable time immediately after my XXXX ), but also created medical debt that should not exist. I believe XXXX/XXXX has not only broken public law, but also behaved in a manner lacking every possible code of ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
There are inaccurate items that are reporting on my credit report. i contacted these companies over 90 days ago and nothing has been resolved nor did i recieve any explanations.

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 2018-11-06
Company: EQUIFAX, INC.
State: MO
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 have requested validation of debt from Equifax regarding an inaccurate account reporting to my credit report. Ive disputed the account twice and Equifax has yet to furnish the proper validation of debt. Ive contacted the collection agency responsible for the debt, XXXX XXXX XXXX, and what I received was a generic printout of an account activity. I have not received sufficient validation of debt from either parties. 

Please review supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: MicroBilt / PRBC (formerly CL Verify)
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO CHEXSYSYTEMS,  XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.

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 2020-06-30
Company: Redfin Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Date : XX/XX/XXXX Loan amount : {$350000.00} This is about Home Mortgage. I have borrowed money from Redfin Mortgage. 
Doing Verbal Employment Verification less than 72 hours before closing. No one is prepared for this VOE so short period, my company isnt prepared for this to answer call, Mortgage Relationship officer has misguided me, he told me to transfer Cost To Close money to Title Company before he does VOE. He didnt disclose VOE requirement of less than 72 hours before closing until about 48 hours before closing. I think you need to ensure that this lender must disclose VOE requirement clearly at the first day of loan pre approval. If I knew they needed VOE 72 hours before closing, I could move to other lender. He didnt disclose this because he wanted to sell this mortgage product. 

My loan is approved and closed but It could be a failure. I believe that I am just lucky because Human resource person in my company was available to respond call .Because of the long weekend ( XX/XX/XXXX ), She could be on leave and couldnt answer the call. As a result I couldnt close my home on XX/XX/XXXX. 
I believe that you must comply this lender to disclose VOE requirement ( whether it is XX/XX/XXXX days ) at the first day of pre-approval. This help consumer like me to move to another lender or I could convince my company to dedicate a phone line to answer VOE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Georgia Student Finance Authority
State: FL
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: Investigation took more than 30 days

Complaint:
For the past several years I've been reporting false education late payments listed in my credit report directly to all three major credit reporting agencies. I've also taken my dispute directly with the school " Georgia Student Finance '' and they have not corrected the matter. XXXX was the original education loan I obtained and was in forbearance when Georgia was sold my loan - I was never late and the problem was with the exchange between the two institutions on how they handled handover. 

This false information has impacted my financial livelihood and is making very difficult to deal with - please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I began a refinance process in early XXXX. My goal was tocombine my first and second loans with a good interest rate. 
I had been receiving adds from Nationstar Mortgageregarding their no appraisal fee or closing cost packages, and since I had a relationship with them, I called them first. 

I was offered a good interest rate but with a 30 year loan. Idecided to proceed. It was an endless process. I was askedto resubmit a loan rate lock weekly, then seemingly moreso ; eeach time with different numbers. My fianc is a financeperson by profession and would point out issues with thenumbers to me and I went round and round with Nationstaruntil we finally came to an agreement and set up a closingdate for XXXX XXXX. I was to bring funds to closing topay for an XXXX XXXX card. 

Late XXXX XXXX I got a call that the underwriters wanted anew homeowners ' policy as the one that I allowed them toplace for me would not suffice for the refinance package. 
Really, three month 's later they discovered this? Admittedly, I did not know not did Nationstar advise me that this cheaperpolicy that they offered was not really a great idea in the long rrun for me. Frustrated, I set up a loan policy but needed toset up my other homes with this company as well, so it wasquite a process! 

When I contacted Nationstar regarding the new policy I wasadvised that I had to start the process again but reassuredthat I would get the same terms. Again I was asked to redothe rate lock over and over and each time with bad numbers. 
The loan was supposed to cover the payoffs of the XXXX loans ( roughly {$86000.00} ) plus closing costs, with credit for escrowfunds paid ; leaving a loan total of {$88000.00}. Nationstar keptcoming up with a {$90000.00} loan plus money to bring to closing. 

By the end of XXXX I began to demand a closing date. Ithen received an email from an underwrited, XXXX that sheneeded Shedule E of my tax returns ( which she had ). Myloan processor apologized for her, then began to whineabout my XXXX hour workweek and how it meant that I needed tto bring more money to the table or wrap it into the loan tocover other minor bills ; most of which I had paid or about topay off. In addition I had submitted my XXXX balance ( decent ) to help with my debt to income ratio to helpqualify for the loan package that I wanted. 

Then to top it off he threatened to want to dealve into myfianc 's finances which would have not been an issue in thebeginning of this process but ridiculous at this point. Whynow??? 

I am totally frustrated by the incompetence and lack ofprofessionalism on behalf of Nationstar. I feel that onlyone agent ( XXXX ) knew what he was doing and that hebecame embarrassed by the botched process inearly XXXX and has been in the background since. 
I feel that Nationstar has been a disservice to me and Iam trying to get away from this company as fast as I can!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, postmarked the XXXX - I received letter in the mail that XXXX XXXX was selling my loan to XXXX XXXX. I was all set up with automatic payments for my mortgage so the money was withdrawn to my account and sent to stearns. I logged into the account to see what was going on because of the letter and my balance showed XXXX, i called into XXXX to set up my recurring payment with them on XX/XX/XXXX which is a week after the loan apparently transfered. XXXX  couldnt find my loan anywhere, I called Stearns that same day to confirm and they said give it another week we show a XXXX balance and that its transfered. I call back on the XXXX and XXXX still doesnt have my account, also at this time i get an automated call from stearns to call. So i do, the automated system tells me I am past due on my XXXX payment. So i speak to representative who says that i am past due, but i tell her that I received two letters about a transfer of loan, and last week I was told by customer service that it was transferred. She says that is not correct and you are past due, I stated that Stearns collected the money and it is shown in my bank account as withdrawn and cleared. I was told to provide documentation of this transaction, so I did. They confirmed the received the payment and had sent it over to XXXX but in that time cancelled the transfer. I asked why then is my account showing past due and why am i getting collection calls - they stated they cant cancel until they get the money back from XXXX. Over the next two weeks i called a total of 6 times each time having to spend 45 minutes to an hour explaining the situation, I finally was able to stop the calls. I made my XXXX payment and then was notified again that my loan was being transferred to XXXX, so now I am here again with a mortgage payment missing somewhere although i paid it on time, and now XXXX  shows me as past due and wont address until Stearns issues the payment i had made to them when i was still in their hands ... 3 months of stress, 12+ hours of calls with people now knowing what they are doing and the end result will most likely be that I show i dont pay my mortage on time even though i 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 2018-09-06
Company: ESCALLATE, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/18, I listened to a voicemail on my cell from this company that was left the day before. I have no idea who they are nor what " debt '' I owe to them. 
Therefore, they have NEVER verified anything by me ... 
The voicemail left yesterday was, " " This is Escalate, a debt collector. Return our call at XXXX '' *violation* insinuating a DEBT owed on my voicemail with OUT verifying they were leaving message for the correct party. 
I attempted to call this morning, XX/XX/18 @ XXXX ( within legal time of business hours ) and had to go through automated steps, 1 of which was entering in the last 4 digits of my son. I did so and recording stated, " we have found your debt ''. Then the recording said to call back during normal business hours ... .. 
***I have been in the collection industry for over 24 years and it makes me sick how these collection agencies think they can get away with violating the Federal Laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harris & Harris is repeatedly calling me for a false debt collection from XXXX XXXX XXXX. I told them that I have verified with XXXX XXXX that I do not owe any balance on my account ( see attachment ). However Harris & Harris continues to call me despite that I told them not to do so -- latest call was this morning. Also the prior time that I spoke with their representative, she told me the debt had been reported to the credit reporting companies!!! Please see my latest statement of account from XXXX XXXX for XX/XX/XXXX attached. On page 1 you see that there is $ XXXX pending with the insurance company. On page 2 you see that this claim was denied for a date of service nearly 2-years ago because the provider at XXXX XXXX XXXX failed to get the XXXX approved by the insurance company. I recall getting a letter from the insurance company years ago stating that I am not responsible for this bill. Furthermore, I have had problems with Harris & Harris a month or so ago attempting to collect debt that I already had paid. They are a business that has very unfair business practices and collection practices. And they really should be looked into and fined or closed down for repeated violations of the FDCPA. Many people who are ill, XXXX, or senior are being taken advantage of by them, I suspect, based on my experience and based on complaints I have read on the web. And I am quite sure at this point that I have overpaid on bills that were falsely collected by them for XXXX XXXX. FYI,  according to XXXX XXXX, as of XX/XX/XXXX, the XXXX XXXX XXXX reported XXXX closed Harris & Harris complaints over the previous three years, including 30 closed H & H complaints over the previous 12 months. The XXXX gave H & H A+ rating. Additionally, XXXX listed 16 complaints filed in federal court in the previous year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and two alleged violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau ( CFPB ) listed 93 closed complaints in XX/XX/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 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
This is a response to a previous complaint submitted regarding my credit report not having a FICO score and showing me as deceased. Transunion is now requesting a copy of my DOB. How does this company operate on a daily basis? TranUnion has my  date of birth and deceased date as the same date XX/XX/XXXX. Are they disputing that I was not born on XX/XX/XXXX. 

Additionally after not having a credit score for so long they decided to give me some random score of XXXX? I don't have any lates, derogatory information and have a lot of accounts with low balances or no balances for the purpose of maintaining a higher score. My FICO with XXXX is XXXX How did Transunion come up with XXXX? Also why are they requesting a proof of DOB?

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 2018-11-06
Company: U.S. BANCORP
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
XX/XX/XXXX ( XXXX XXXX, PST ) At all relevant times starting XX/XX/XXXX Complainant has been a good standing consumer with XXXX XXXX XXXXl hereinafter the " respondent '', a service provider within the meaning of 12 U.S.C. 5481 ( 26 ), headquartered at XXXX, Minnesota. Complainant has a current checking account and at the time of opening the new account in XX/XX/XXXX Complainant was offered a reserve line of credit totaling {$2500.00} ( XXXX XXXX XXXX XXXX XXXX ). Complainant 's reserve line of credit of {$2500.00} has been in GOOD STANDING since around XX/XX/XXXX prior to which minimum monthly payments due on the reserve line since on or around XX/XX/XXXX were completed in a TIMELY manner each month and every time on or by the due date specified by respondent. At no time was Complainant 's reserve line of credit delinquent or otherwise in default. On or around XX/XX/XXXX Complainant filed a good faith complaint with the respondent 's FRAUD unit against " XXXX , XXXX '', a collection agency affiliated with XXXX XXXX who conducted an unauthorized deceptive financial transaction in Complainant 's checking account. At the end of the Fraud investigation, respondent refunded the deceptively deducted amount of around {$180.00} into Complainant 's checking account. However, on XX/XX/XXXX the respondent 'XXXX XXXX XXXX XXXX ' in turn engaged in an unconscionable tactic and unfair, deceptive, and abusive act or practice under Federal law in connection with the reserve line of credit offered to Complainant and unlawfully closed complainant 's GOOD STANDING reserve line of credit of {$2500.00} ( a consumer financial product or service ) in the course of violating [ Oregon Revised Statutes ] ORS 646.607 ( 1 ) [ Unlawful business, trade practices ] and which may not be limited to the cited statute. ORS 646.607 ( 1 ) provides that " [ a ] person engages in an unlawful trade practice if in the course of the persons business, vocation or occupation the person [ e ] mploys any unconscionable tactic in connection with ... collecting or enforcing an obligation ; ... ''

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