BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-17
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am paying for this loan when the school is out of business the school is named XXXX. I am paying to UAS XXXX who is handling my private loan for something I do n't attend to and went out of business. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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 status incorrect

Complaint:
I have a few accounts on XXXX, Equifax, and XXXX. All have different Amounts, a past due amount on collection items and I have a payday loan that was deleted and now is back on my credit report. I filled a dispute on XX/XX/XXXX for. XXXX which is {$1100.00} XXXX for {$3300.00}. The vancehuffman account doesnt have the right address. XXXX Now has different amounts on all XXXX credit bureaus. Its a closed account with a past due balance of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
No warning was received on my 90 day fraud alert. I was only told by XXXX phone rep. today XXXX/XXXX/16 that many different names show up on my Social Security Number ( details not provided ). I provided my proof of my ID : Social Security card with my name and my Social Security Number, California Driver License/ID with old address, XXXX XXXX XXXX bill with my name and current address, SSA Publication showing my SSN card is the legal proof of my SSN number.

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 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I supplied XXXX with a police report showing people were applying for credit under my name. XXXX has refused to remove the fraudulent inquiries.

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 2017-03-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been the victim of identity fraud and have noticed that there is a collection account that appears on my credit file listed as XXXX. I have disputed the information several times and had it removed previously. The company in question can not send me any verification to prove that the account belongs to me. please have this account removed from my file as it is ruining my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed multiple accounts online with Equifax on XXXX/XXXX/17. As of XXXX/XXXX/17, the investigation is ongoing. This exceeds the 30 days provided by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX credit card ending in XXXX went past due XX/XX/XXXX and remained that way until it was charged off in XX/XX/XXXX. This item is still showing on my credit report even though the 7 years since the first time it became past due has passed. I have enclosed statements showing the past due status of the account as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a couple of payment behind on my Mortgage. Which the total amount is {$1000.00}, I have recently paid a payment of {$520.00} and will pay the remaining amount later in the month. They also told me that someone from XXXX, to come at my home. They came uninvited to my home around XXXX on XXXX/XXXX/2016. I do not want them to come to my house anymore which Bank Of America said I can request anyway, but they came right away after I received the papers.

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 2015-12-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was approached by a XXXX XXXX XXXX XXXX ( NMLS ID # XXXX ), a loan officer with my current mortgage lender ( HSBC ) with an offer to refinance my home under the HARP program. I had recently looked into the program and do not believe I qualify but the man assured me he could get it done. We spoke twice and he pressed at a 15yr loan. I asked him for other options and he told me he would get back to me. I never saw any other options. 
I immediately received an email containing an " e-sign invitation '' to sign and submit documents online which I refused to do, and then an email informing me that he had submitted a pre-approval on my behalf ... something I did not authorize. Following that I received ( by mail ) a notice about my " credit score and the price you pay for credit '' disclosure, this letter included an XXXX score and my " new loan number '' even though I have not applied for a loan. I never asked him to pull my credit score and never signed an authorization for him to do so. I also received ( by mail ) a " loan estimate '' outlining the single option he seems fixated on ; a 15 yr fixed-rate loan. I was never offered the other options I requested. The letters and documents are attached as PDFs. 
Days later I received ( by mail ) a letter that my " home financing application '' has been pre-approved, even though I never applied for anything. The same day I received ( by mail ) a package of compliance disclosures with many places for me to sign. 
I have to say I believe this man I have yet to meet is proceeding a very long way towards refinancing my home without my participation. I believe his actions to be unethical at best, and would like to know how it is possible for such behavior to exist in our tightly-regulated financial system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
Transworld is a record keeper for XXXX loans but I asked on XXXX/XXXX/16 and XXXX/XXXX/16 for proof of debt but I never received it and now Transworld will send this debt to a law firm. It is illegal to do this because I have asked several times for proof of debt, the only item I ever received was a promissary note with XXXX XXXX XXXX on it. No mention of XXXX or Transworld, I want all of the XXXX loans forgiven due to the company violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I need this company investigated because XXXX will keep trying to sue on this debt even though they do not have proof that they own the debt, they offered to settle the debt for XXXX % which is not something I will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
An offer was submitted to Bayview Loan serving, for the full amount that Bayview stated as the value needed, $ XXXX. Bayview then stalled, first needing an updated document, then another, then " losing '' some documents, from XXXX/XXXX/17, when they were submitted, until XXXX/XXXX/17, when they were " found ''. 
At this time ( XXXX/XXXX/17 ) XXXX spoke to XXXX, in regards to our complaint ( made on XXXX/XXXX/17 ) that Bayview was intentionally holding back review of offer, in order for the previous BPO/Appraisal of $ XXXX to expire. XXXX stated to submit offer, and HUD, with current value, the full price offer that Bayview requested, and it would be escalated, due to the reason that conditions are there for a review. " Escalation '' took 14 days, on XXXX/XXXX/17, the decision was made to reject offer, and NOW countered to NEW XXXX of {$430000.00}. 
The offer was at full value at the time of viewing, and was at full value at the time offer to purchase was presented by Buyer. we have also submitted this offer to XXXX. We are filing this complaint today, we feel that the delay in approving the full price offer, and the refusal to allow this sale to go through, has harmed the Borrower. 
Today XXXX/XXXX/17, we submitted the documents to both XXXX and Bayview. XXXX XXXX, the Portfolio Manager called, after receiving my email sent to the rep assigned. He stated that he resubmitted the file again to XXXX for review, and it is escalated, and that we would have an answer in another 5-7 business days. ( previous escalation, with same exact language used, took 14 days ). I asked for a written explanation, stating the reason for offer 's rejection, and also a written explanation for Fannie Mae 's rejection of the allowable fees on the HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Echelon Financial, Inc.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On or about XX/XX/XXXX or XX/XX/XXXX, an online company called " Myscore '' charged my Visa Card for {$29.00} unauthorized. 
XX/XX/XXXX while I was searching online to obtain legal counsel, in electronically agreeing to the terms and conditions for legal counsel, I inadvertently agreed to " Myscore '' as well. Immediately after discovering my error, I sent an e-mail to " Myscore '' demanding they close my account immediately. Unfortunately, they had charged my Visa Debit card immediately upon my agreeing. I advised them because it was my oversight, they could keep that fee but, close my account immediate and never charge my card again. " Myscore '' agreed to my demand and sent an e-mail confirmation to my e-mail address stating my account was closed XXXX XXXX, XXXX at XXXXest. 
" Myscore '' is an online service company with NO mailing address or US state location that, offers credit monitoring, credit fraud protection, unlimited credit bureau access to your own reports and alerts participants if their credit is being used by someone else unauthorized or may have stolen your identity ; " Myscore '' provides these services for an annual fee of {$29.00} until the participants requests their account be closed in writing or via e-mail. 
Coming up to XX/XX/XXXX, " Myscore '' charged my card again almost a year after I closed the account and received confirmation from them that my account was closed. 
I immediately informed my bank of this problem and they immediately closed my debit card, put the amount in dispute and issued a temporary credit to my checking account in good faith, hoping the company would credit the {$29.00} back to my account. Unfortunately, after 6 - 7 attempts from XXXX XXXX to XXXX XXXX the company has continued reneging on its promise to credit back the {$29.00} to my checking account. 
My bank stated that the company, " Myscore '', has abused their charging privileges and my rights as a consumer. 
Everyone I have spoken with, with the exception of XXXX individuals at " Myscore '', the customer service reps spoke with XXXX foreign accents and each one promised they would process my credit of {$29.00} ... each customer service rep was blaming another rep for my credit not being processed ; and with each promise from XXXX XXXX to XXXX XXXX, I was advised to wait 4-5 business days before the credit post back to my account ... which, to this date has not be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Crediter bills XXXX month in advance I paid bill and terminated services and returned all equipment the day of termination. They 're trying to to get more money it has already been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: WESTERN UNION COMPANY, THE
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX I paid for and entered into XXXX XXXX XXXX XXXX XXXX. My mortgage payment was faithfully, automatically deducted bi-monthly from my checking account. Through a series of communications in an attempt to sell my property I discovered that my equity was never enhanced and that XXXX XXXX had given my account to Paymap , Inc . I also discovered that there was a lawsuit against Paymap for fraud. Can you help me recover any of the funds that Paymap, Inc. cheated me out of? I know the lawsuit was filed in XXXX, but I was never notified and although this practice was discovered to be fraudulent, Paymap, Inc. continued to defraud me until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed a bankruptcy on my credit report, which came back verified. I checked with XXXX and the bankruptcy had been removed. I sent proof to the credit bureaus but they stated that they would not reinvestigate.

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 2022-04-18
Company: ERC
State: TX
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:
I filed a dispute in regards to incorrect information in my credit report. It has been well over thirty ( 30 ) days and I still haven't received the results from any investigation report...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Names reported is wrong. Someone just misspelled my name. My name is XXXX XXXX XXXX but on my Transunion credit report it shows another person as XXXX. No XXXX at the end. This is not a XXXX person. Someone made a clerical error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
i was foreclosed on in XX/XX/XXXX. my house was sold and my credit report reflected that action. from that point on my credit report was reporting ND or no data. 
then after 3 years, and just in time for me qualifying for an FHA loan, quickenloans added a foreclosure coding on XX/XX/XXXX. 3 years after the foreclosure. which to FHA is the start of the 3 year period to qualify for a loan again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pinnacle Credit Services has flagged my Credit Report with a collection of {$1500.00} from an old XXXX bill. I do not owe this money to XXXX. Pinnacle Credit Services has sent fraudulent information to the Credit Bureaus stating that I have an unpaid balance at XXXX for {$1500.00}. 

I 've contacted XXXX in regards to this debt and XXXX has no knowledge of this debt. I have disputed this debt with the credit bureaus to no avail. I 've sent multiple letters to Pinnacle Credit Services asking for validation of this debt with no response. Every month this account updates on my credit and is harming my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification for two years. Wells Fargo asks repeatedly for documents, often copies of documents I 've already sent them. I did n't know they were n't supposed to be able to ask me to fax them the same documents over and over again until I got a XXXX and she told me that. She personally faxed them a bunch of financial documents for me, and now WF tells me they need me to fax them those documents that my XXXX recently sent. I do n't know what 's wrong with WF and their document management system, but they give every appearance of incompetence.

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 2017-03-23
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Carter Young is attempting to collect a debt in the amount of XXXX. Carter Young violated the privacy act HIPAA buy disclosing my personal clinical information regarding diagnosis codes and medical history from their client XXXX XXXX. This information was uploaded to this site CFPB and also mailed to me revealing my medical records which Carter Young is a third party collection company who should have not had access to this information and should have contacted their compliance officer to return back to their client. I plan to seek a suite against this company for disclosing my personal medical information and breaking the HIPAA privacy act. Also, I have this claim in current dispute with XXXX XXXX as I do not owe anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Issue # 1. Decades of Missaplied payments, in Navient 's favor : My mother consolidated me and my brothers student loans into a XXXX XXXX Parent plus loan back in the mid-late 2000 's. The XXXX separate loans had varying interest rates, and separate payment streams, so that I could pay down mine, and he could pay down his. Over the years, we found that XXXXNavient misapplied my payments in their favor. After years of this misapplication, and countless calls to their customer service departments, we have never received any type of followup, feedback, or resolution to the complaints we have made to have these issues solved or rectified. Promises are of course made over the phone ( we 'll straighten this out ), but the systemic issue is never, ever resolved. Therefore - I believe that with almost a decade 's worth of misapplied payments, my nearly {$60000.00} student loan, can and should likely be halved ( due to almost the retroactive correct application of nearly {$20000.00} of missapplied payments ) as I 've been paying diligently, and in excess of the minimum rate, to ensure I can pay it down quicker, and erase the interest and principal in a strategic manner. 
Issue # 2, Navient misapplied my mother 's payments to different account : I believe during the transition from XXXX to Navient, something happened where my mother paid her regularly scheduled 8 monthly payments of {$160.00}, totaling {$1300.00} - but they were misapplied to a different account, with a transposed XXXX digits. We incurred late fees - which we have already paid. My mother wrote a letter to them, they said they never received, we have even provided documentation from our own bank records detailing that these payments were taken by Navient. So - we need {$130.00} in late fees reimbursed, and the {$1300.00} properly applied to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought a phone from XXXX paid it in full then started having problems with it, called customer service to report they said to return it for a used XXXX after I paid for the new XXXX but before I returned it I took it in to the store to confirm no water or screen damage and they turned around and tried to bill me a second time for the full amount. I was loyal to them for XXXX and this was the XXXX time I 've encountered this problem so I took my business elsewhere. I asked them for proof of damage and received a written response damage was found and I 'm liable with no pictures or documentation this should be illegal and not allowed to affect my credit score. The thx I get for XXXX too long and thousands spent on XXXX customer service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation