BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-19
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have only been in my house for a little over a year and a half and already my original loan was sold to LoanCare a few months ago. They told me that my escrow account did not transfer over and 5 months later I received a statement from LoanCare stating that I have a  XXXX   XXXX  dollar shortage and that my mortgage was going up $  XXXX  /mo. I calle d immediately and was bounced around from one person to another saying that it was because my taxes or insurance went up, but I contacted my tax assessment office and insurance office and they did not. I was promised a call back and received nothing. After not receiving a call back I called again insisting to speak with a supervisor, to which no one was available. After calling back again the following night I was eventually told that until they figured out why there was such an increase in monthly mortgage payment, to continue paying my normal payment and they would get back to me. After trying to reach this same person time and time again with no such luck ( even though I had her name and ID # ), I was told that they could not honor the original agreement until they spoke with her ... which NEVER happened despite calling several times for over a full month. I went from speaking from one supervisor to the next and that they were going to send a 'priority email ' and that I would hear back the next day-which of course I never did. After calling yet again they were conveniently out of the office and I left another message with no response. After speaking to someone and reassuring me that things would be taken care of and I would get an answer the following day ... no one called and the increased mortgage am ount ( {$750.00 } higher than normal ) was directly taken out of my account without authorization. I called in a panic and no one was able to help me and I never received a call back. This company completely pushes you around fro m one person to  the next and can never give you a straight answer or a call back. I had asked to meet in person but since they do not have a physical location they could not do this. They claim they could not cc me on any of their emails because they can only interoffice email which  in 2017    seems like a complete crock. LoanCare is completely unreliable and it is pathetic that they can not even call back their customers and that are trusting them to handle thousands of their dollars and make false statements and lies.

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 2017-04-19
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been going through the loan modification  with PHH Mo rtgage and was finally approved in  XXXX   XXXX . I finally received my loan modification  ( trial documents ) i n  XXXX   XXXX . I have made all three required payments as set out in the loan modification paperwork ( please see attached copies of check s ). All ch ecks were sent overnight signature required. I contact ed PHH Mortgage  on several different occasions to confirm receipt of payments and was told that my account was current. I recently spoke with my personal ca se manager on  or about  XXXX   XXXX   XXXX  and he confirmed that my account is in good standing and that all payments had been received. I received a call this morning,  XXXX   XXXX   XXXX  at  XXXX  from my VA representative informing me that he had been contacted on  XXXX   XXXX   XXXX  by PHH Mortgage that my account was delinquent and he wanted to know if I had fallen behind on any payments. I assured him that all payments had been made and in fact I had just recently confirmed this information with my  case manager. This  seems to be an ongoing issue w ith PHH Mo rtgage and their lack of accurate book keeping. This is my third complaint to CFPB regarding this mortgage company and I feel it will not be my last.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Thaxton Investment Corporation
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:
On XX/XX/2022 I received a report that a loan company that I have open with checked my credit and did a hard inquiry without my knowledge or my consent. I try to dispute it with XXXX but they are saying its valid which in fact it is not. I reported this to them twice and they keep denying my dispute. Creditors checked my credit to see if I wanted to renew my loan and I never told them yes or even spoke to them on the phone to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Hello, Equifax and XXXX  provided a generic response to my complaint and it was not accurate. I have sent the letters in to both credit bureaus from XXXX through XXXX. The letters are attached. I have authorized this compliant. I am not a third party submitting this complaint. My ID and utility bill are attached. I need these items removed and my personal information updated. I have sent in several letters every month by mail. I have called and was informed to submit this information and I did such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Brennan & Clark, Ltd., LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Services were cancelled ( formal cancellation XX/XX/XXXX ) with a company ( XXXX ) that came out of bankruptcy in middle XXXX, but continued to bill on discontinued services. XXXX elected to pass off charges for services not provided to an collections attorney, Brennan & Clark | Commercial Collections Agencies. Brenan and Clarke did not introduce their association with XXXX ( first voicemail received XX/XX/XXXX ), just said I owed money. I thought they were scammers because they never said what it was about?. It took a awhile for them to actually affiliate themselves that they are coin collectors and such for XXXX. 

It was frustrating that Brenan and Clarke never explained their cause or intent and I just owed money ; and when I pursed explanation they waffled in any explanation that made no sense. 

Since, I've paid XXXX what they charged me for services they never provided, but I am down the road. Unfortunately, Brenan and Clarke appeared as usual hackers saying I owed money. Seriously, Brenan and Clarke could have easily created a method communication that was different than " hey you send me a check ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XXXX XXXX XXXX XXXX : XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX  - XXXX  XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX   XXXX, XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX XXXX  XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX  - XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXX XXXX I -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX -- -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX  XXXX XXXX  -- -- -- >Inquiry date -- ->XX/XX/XXXX XXXX -- -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- >XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX/XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX/XXXX  -- >Inquiry date -- ->XXXX XXXX  XXXX XXXX  XXXX/XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX  -- -- -- -- >Inquiry date -- -- >XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names : XXXX, XXXX, XXXX XXXX , 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 non-monetary relief
Consumer complaint received 2017-04-18
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a credit card and checking accounts w ith US B ank and on  X/X/17    I submitted an application for a reserve line of credit. On  X/X/17    I logged on to view the status of my application and noticed a pending document, so I submitted an electronic signature. After submitting my electronic signature, I contacted US Bank at  XXXX  to verify that my information was correct and after being transferred a few times, I was advised by one of the many representatives I spoke with that my reserve line of approved for {$500.00} and on  X/X/17    I would be able to view my line of credit along with other my existing accounts. Since the line of credit was not available on  X/X/17   , I contacted US Bank again and was transferred several times, but was n't able to get the correct information from any representative. On  X/XX/17    I contacted US Bank a third time and requested that my original application be canceled, so I could submit a new application. My second application never processed beyond the information I placed, however, US Bank placed a hard inquiry on my   XXXX   file. Today I contacted US Bank again and went on being transferred from department to department with no resolution.

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 2017-04-18
Company: JPMORGAN CHASE & CO.
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To whom it  may  concern, I have been a Chase customer for about 4 years. I attempted to close my account through the website and it appears it is not possible. I believe it is very important to provide customers various ways to close an account other than visiting a branch location or calling someone online, especially for those protected individuals that can not complete account closure through neither phone or in-person. It appears that the  Chase  website, even within the customer user interface, only attempts to cross-sell more products and not actually assist their customers with an important step of the customer relationship process -- closure.     For the best customer experience, Chase should update their user interface to allow for online account closures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We paid {$950.00} on XX/XX/2019 on my bill. Citicard refuses to acknowledge receipt of the monies. I have checked with customer service daily.

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 2022-05-01
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The adverse action happened on XX/XX/2022 when I applied for the Apple Card. I was denied credit which is against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is regarding LVNV Funding LLC, I had closed account wXXXX  XXXX & XXXX ( known from previous incident involved/investigation XXXX XXXX account that has been removed because illegal practices when reporting to credit bureaus ) which was charge off then discovered that LVNV Funding opened on XX/XX/20. I didnt respond or acknowledged that the account was mine because the information that was given about the account wasnt accurate therefore ; I became suspicious because they had initially been contacting me either unknown number or different numbers which caught me off guard. Then when I finally contacted them to address and inquire the supposed debit of account they were very stand offish and rude as well as unprofessional. They basically said that the information they was valid. I could dispute, but will remain on credit until they were paid. In response I told them to no longer contact me via phone instead only by via certified mail in regards to account in question. Also disputed the derogatory comments/remarks left by LVNV Funding , LLC. At first I had notice on my credit reports that I it was reported twice for same account which is illegal & has since been removed off my credit report. I would like for this LVNV company to be investigated for inaccuracies & incorrect information that hasnt been updated or confirmed regarding this supposed account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: OH
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 called the bureaus after noticing some inquiries I didn't authorized and they are still being reported on my credit report. I also dispute account that doesn't belong to me that they said is verified but when I contact the company they said they never been contacted by bureaus. There is also accounts that where removed then put back on my report with same information just different date, which is invalid reporting and violation of my rights. There is address and names that doesn't belong to me, that's being reported on my credit report. There is a social security number that do not belong to me, that is listed on my most recent reports.

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 2017-04-21
Company: Statebridge Company
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After speaking with  XXXX   XXXX  for the purpose of obtaining a physical payoff payment address, I sent Statebridge Company  ( m ortgage servicer ) a check of {$16000.00} meant to pay off the balance of my loan (  XXXX  ) with them. This is the payoff amount I received from the company after ordering the payoff. Despite the fact the check was cashed in  XXXX , the funds have not been applied to the loan, however, I 'm receiving collections calls. After trying to rectify the issue, I was told I needed to pay an additional {$180.00} to cover the interest and fees ( incurred while they had the funds ) in order to pay off the loan. I paid the as instructed, however I 'm still receiving collection calls for a mortgage that should be paid-in-full. I want the embezzlement to cease. I would like for Statebridge to apply the funds, close the loan and stop the collection calls. I have made several attempts to resolve this matter with them with no success. I have sent e-mails, and certified snail mail, along with several phone calls, speaking to several people, all of which have proven futile

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was removed from my credit report over a year ago by the same creditor but it has now reappeared. I sent a dispute regarding the deletion and it 's still appearing on my XXXX repair. The company is XXXX XXXX XXXX but original debtor 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 2021-04-20
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I will sue your company for violating my consumer rights under FCRA & FDCPA if you continue to refuse for my validation request.

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 2021-12-15
Company: ProCollect, Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a dispute letter asking for proof, don't contact me, provide liscense, etc., that was delivered via certified mail XX/XX/XXXX. The debt amount they have is incorrect, because the original creditor dropped the ball.They haven't checked their mail or something because when I spoke to them, they said they " hadn't received it ''. I asked them to stop contacting me today, XX/XX/XXXX after I received XXXX calls in a row from their robo dialer at XXXX am. They said they would stop contacting me until XX/XX/XXXX, at which time attempts would continue. 


Then I received a notification that my auto-blocker had blocked the number I flagged. They called XXXX times from the same number between XXXX and 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 2022-04-07
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
According to XXXX XXXX I have a derogatory mark for a speedy cash loan. However, I have never applied for a loan besides student loans. Also at the time that the speedy cash was given out I was XXXX XXXX XXXX and did not know what speedy cash was. I have no way of even accessing an account or having an account number. If the company was to look at my information Im sure I would be able to prove I did not apply for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: LA
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXXXXXX XXXX XXXXXXXX {$740.00} XXXXXXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX  XXXX {$420.00} XXXX XXXXXXXX {$700.00} XXXX XXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$700.00} XXXX XXXX XXXX {$250.00} XXXX XXXX   XXXX {$290.00} XXXX XXXX XXXX XXXX {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I've been having these negative items reporting for a year plus now and Ive been disputing the items. The only response I receive was that it was verified. I want to know who verified it? Also I want letters of validation stating that I owe or borrowed debt from this people.

Company response to consumer: Closed with explanation