BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: Inflection.com, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After booking a stay on XXXX and submitting my Drivers License for verification Inflection Risk Solutions performed a background check ( I had no knowledge of this being done ) this may be in XXXX  terms of service when you click you agree. The dispute was initiated after XXXX cancelled my booking due to the erroneous case XXXX that I have reported to the CFPB several times on other background check companies that have incorrectly reported the reversed and dismissed case by the XXXX district appellate court of Illinois under order XXXX XXXX The XXXX  are of no consequence no law saying a XXXX  prevents you from paying for an XXXX. Instructions to contact XXXX lead supervisor at XXXX XXXX clerks office were given ( this is a step Inflection Risk Solutions did not even take or they would have known the case was Reversed and the " In Custody '' was erroneous ) and she keeps a record of the companies that reach out after they have been provided the accurate information per the Clerks office, NOT XXXX SEARCHES!

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 2016-07-15
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wide & I have been looking for a house on XXXX for a few months & the site suggested we talk to a loan office to get pre-qualified. We submitted our information and soon enough XXXX XXXX XXXX from IMortgage called us to discuss the process. 
We gave him all the necessary information and within a few days we had a pre-qualification letter for {$300000.00} and we started to talk to a real estate agent. We found the house & started the process of getting the mortgage. The numbers from IMortgage were good & we believed the house was affordable. We paid the Due Diligence money ( {$1500.00} ), the Ernest money ( XXXX ) and paid for inspection ( {$490.00} ). I also was told to pay my taxes in full ( {$10000.00} ) instead of monthly installment. 
We had the closing date set for XXXX XXXX and everything seemed to be working fine. 
Just two days before the closing, XXXX XXXX called me and stated something is wrong with the number. He made a mistake & did not calculate the HOA fees correctly and so we can not close on the house. That was a decision from the underwriters and there was nothing he can do about it. 
I called his supervisor ; XXXX XXXX XXXX to complain who promised to find a solution and will call me back be he never did. Instead, XXXX XXXX called to state he knew I called his supervisor but still, there 's nothing he can do. 
My lease on my apartment ends on XXXX XXXX and the apartment management told me that we have to vacate it because it 's already rented. I have a XXXX woman & a XXXX year old daughter and I 'm not sure what to do or where to go. Our lives are a mess because of their mistake and they 're not even showing any remote compassion for us.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Number XXXX Reference : Mortgage XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

My loan was sold from XXXX due a bankrupt ; when the transfer the loan they missed transfer two months payments.

Ive contact new bank LOAN CARE since they claiming 3 months pay they advise me not to worry theres 3 months period and will start an investigation not pay the months in dispute until they finish all investigations. 
In the meantime I've sent several documents even the bank manager called directly from the bank confirming every month an automatic payment was sending to XXXX After almost a year LOAN care respond to me saying they can't collect the two payments and I have to contact directly to XXXX and they report me late all the time the investigation last. 
I've contact XXXX and finally send me a check with the two months they missed sending to loan care bank Ive trying to explain LOAN CARE this mistake and im not responsible each time I claim they adding an extra month even though the mortgage is been transfer to another bank two years ago. 
Im XXXX  citizen Im sure this discrimination to me since this happening Im contact the XXXX  citizens lawyer in my district to help me to get justice Im attaching plenty of evidence of what im saying PLEASE HELP ME

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 2016-01-04
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received yet another notice from Convergent saying I owe over {$1600.00} to XXXX network. I received XXXX the day before saying the same thing about XXXX. I have the following issues. 

1. I called Convergent today to see what they could tell me, which was absolutely nothing. I asked for details, and the phone was conveniently disconnected. I called back, and was on hold for over an hour, and still did not get anything. 

2. This debt was not me. They did n't even spell my name correctly. 

3. The notice had no option to verify debt, and when I asked them to, they wanted my social security number, which I 'm not going to voluntarily give without some form of verification of debt. 

4.This debt is waaayyyy past the statue of limitations to collect a debt in Michigan, which is 6 years. Considering I 've lived out of state for the past XXXX, nobody has a right to even try to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: WESBANCO BANK, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We took out a loan with WesBanco that included a payment for PMI insurance. We made significant improvements to our home and requested that we be connected to the process to remove PMI. We got shuttled around to a bunch of different people- and everyone told us they have no process to remove PMI by way of a reassessment. We know this is not how the law works, and have used property assessments to drop PMI with prior lenders. 

However, we got such a runaround and interest rates were so favorable that we decided to re-fiance. We engaged in that process and our loan was sold to XXXX. However, WesBanco began to send us a bill for XXXX $ a month. We went to speak with them at the branch and were told that WesBanco had made a double payment for our property taxes and that they now expected to recover from us, instead of the tax authorities. Because of this, the representative I spoke to told me not to make any payment and that they would take care of the issue. 

But then, a few weeks later, I got a call from a WesBanco representative stating I needed to make the payments or else they would place a lien on my home. I asked them to provide a written explanation for why, after refinancing and selling my loan, they were demanding further payment from me. The WesBanco representative said, " You signed paperwork with your loan that says that you are responsible to sign anything that needs to be signed later, so this is your responsibility. '' I told her that 1 ) I would like a copy of whatever document she was referencing - so that I could ascertain if such documentation placed the burden on me to work on the bank 's behalf to recover any funds they may have overpaid and 2 ) that I had still recieved no written notification that made an accounting for why I owed any money in the first place. She refused to agree to do this and informed me that they were sending the account to collections and would place a lien on my house. 

If the bank will provide a balance sheet that fairly shows that money is due, I will make prompt payment of the original balance. I will decline to pay any late fees, if any, as I think that it is reasonable for me to expect that they would have assessed the correct amount at the time of closing and, if not, reach out to me with a clear, written communication that demonstrated why the money was due. 

Simply saying, you owe us money because we said so ( especially after several representatives told us we did not ) is unacceptable, especially considering that we got into this issue in the first place because this bank refused to engaged in a PMI removal process, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2022 I received an email about my Synchrony XXXX. It informed me my payment was late. I have all my credit cards set up on auto pay. I checked my credit card account to see if it was setup for autopay. It had XXXX as the account number for my XXXX XXXX  it should of been XXXX instead. I went in and paid the owed amount of {$170.00}. Then Synchrony closed all my accounts through them they closed XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and Synchrony Master Card. Spoke with Synchrony told me the closed the accounts because of that XXXX credit card. Never been Late on any of these cards except for the XXXX XXXX, I believe it was Synchrony who set my auto pay up. I gave them the information. The girl said my accounts where closed because of the wrong account number. I checked all my other accounts with Synchrony and they have been paid the ones that are XXXX. How can you close an account I have never been late on the mistake is corrected. I believe I just turned XXXX on XX/XX/XXXX and I think they are doing this because of my age,

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 2022-11-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The bank approved the mortgage and commited to buy an illegal property by ignoring the clauses of the sales contract and putting me at risk with my family. Which is a fraud mortgage. 

I lost a lot of energy and money and did not get a compensation and refund. 

In XXXX buying an illegal kitchen and bathroom is illegal and XXXX of garage to living space is a crime without permit. 

But bank has approved mortgage and commited to finance this which might put me to a big trouble by their fraud. 

After realizing that, bank withdraw the commitment without giving any notice and ignoring to respond to all queries to make the correction on the commitment. 

Chase advertises closing guarantee in less than XXXX weekends if not they pay {$5000.00} as a penalty. 

They ignored all the facts even after I emailed and provided the documents that the mortgage is approved by Chase is totally illegal and it maybe a crime!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I sponsored a credit card for my son, XXXX XXXX over 25 years ago when he was attending college. It has been several years since he paid off any charges and closed his card ; I have not had a credit card with USAA for over 20 years. USAA has reported corrupt information to the credit reporting companies that has resulted in me not being able to verify my identity to other financial institutions. When I attempt to login to XXXX XXXX Bank where I do not have an established pin, I am presented with about five series of questions relating to : residence, mortgage, employment and relatives that I am unable to answer because they are often related to my son 's activities. 
This situation has become untenable and utterly frustrating to me as I have been repeatedly thwarted with being unable to gain access to my finances and records. 
Yesterday, I attempted to establish a login with the Social Security Administration and was summarily denied because I could not answer the series of questions, some of which pertained to my son XXXX. 
I have contacted the XXXX credit reporting agencies and have not been able to clear the situation up. Specifically, XXXX informed me that some of the corrupt information would have to be retained until 2020 unless the originator cleared it up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called multiple times, I explained I am handling this issue on my own, I do n't have the money to pay. I ask to please stop calling on XXXX/XXXX/16 at XXXX XXXX. I just received a call at XXXX on XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contact XXXX  by phone and attempt to file a dispute on a account they list a collection on my credit report, account Resurgent/LVNC Funding Acct # XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX The amount XXXX. I am not allowed the file a dispute online, nor was my dispute taking when I called. I have no written legal contact with the company listed. I asked that a legal contact be provide. I was told by the XXXX representative that they dont have to provide a contact to me and they can still keep this reporting in my report. I asked that a contact be provide or this collection be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section XXXX of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I closed on the sale of my XXXX on XX/XX/22 with a HELOC payoff amount communicated to me by Citizens Bank on XX/XX/22. Upon further review, the payoff amount quoted by Citizens ( {$620000.00} ) is roughly {$1800.00} more than I should have owed. I believe this to be due to a glitch in Citizens systems whereby some of my prior accrued interest may have been capitalized incorrectly ( even though I attempted to pay the amount due, it was not paid ). I would be willing to even accept this glitch, but even if the interest was capitalized, it should have been relieved from my accrued interest. Therefore, my interest balance on the payoff document was much too high. I have all the supporting documentation to prove this. I have attempted to resolve this issue with Citizens customer service for 4 months ( 1 call per week lasting about 30 minutes each ) and am finally giving up and taking every available legal recourse I can. I am constantly told my Citizens that their " back office is handling this '' and that I will receive a summary of the calculations justifying the payoff amount. This has turned out to be a lie. Based on my other dealings with Citizens while applying for and servicing the debt, I am starting to think that this may be due to corporate malfeasance rather than simple incompetence. Case number XXXX with Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Hello, Transunion has me with a comment : " XXXX suppressed '' and because of this they do not release a fico score or anyt debt under Transunion. My lender needs data suppressed to be removed so they can fully disclose any debt and fico score. My loan has been locked and for two weeks I have not moved an inch without this data suppressed not able to be removed. I called over XXXX time and left messages for Fraud department at Transunion and other departments. The fraud department told me I belong to a different department something like the specialty department or something like and they transfer me there but no one calls me back there too. I do not know how to get them to call me and that is the reason I am now in need to file a complaint. I never requested any freeze or fraud guard I never even knew suppressed data was on my credit. I need this removed I need them to call me back and let me move on. It is costing me money every time I extend the lock and now the seller is very impatient and threatened to keep my deposit if if we do n't clsoe soon. please help me. I do n't know what to do. 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 2022-11-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I need some help this is my 2nd time reaching out, I did an investigation on my credit report which caused me to develop XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXXt Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 


has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Exeter Finance Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a federal protected consumer these fraudulent accounts arouse from my credit card. This information is incorrect. Persuant 15 usc 1602 ( 1 ) a any card plates coupon book or other credit devices existing for the purpose of obtaining money property labor or services or credit. These accounts are fraudulent as it should be no debt that arouse from my credit account and persuant to 15 usc 1681 a ( 2 ) no factual should be included in my consumer report. As I did not authorize nor give consent. The theft report is attached please look at the dates as they are on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i received a forwarded piece of mail on XX/XX/2016 from CMRE FINANCIAL SERVICES and have not been given : Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent

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 2016-04-26
Company: Works & Lentz of Tulsa, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I continure to receive Debt Collection Letters from Works & Lentz Inc regarding Medical Bills to which I do not owe and have proivided Notarized Identity Theft Affadavit as well as Police Report, as well as Cease and Desist and they continue to Harrass me for debts I do not owe, and have now sent Medical Records on someone whom I do n't know and that is FEDERAL HIPPA VIOLATIONS.

Company response to consumer: Closed with explanation