BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-27
Company: Finance of America Holdings LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
A reverse mortgage company solicited a mortgage from my XXXX Mother. She lives on the west coast the loan company is on the east coast. She had XXXX some time in the past and was hard to converse with in person and nearly impossible on the phone. The loan company sent appraisers and estimators to her house but no loan agents. She was given a list of repairs that would have to be made to her house as well as an estimate to have the work done. Although I was not in favor of the reverse mortgage it was not my decision. I was shown the estimates for the repairs and new that they were significantly lower than they should be and suspected the loan company of intending to submit a final invoice much larger than the estimates. Therefore performed all the repairs at my expense which the loan company did not like at all. They did there best to discredit the work but their inspectors had to acknowledge that all the repairs were complete and correct. Non the less it appears that the loan company added their original estimates to the costs of the reverse mortgage even though they did non of the work. My mother passed away from another XXXX. In the course of trying to sort out the mortgage and other affairs I found a document on her computer. It was a form stating that she had met with a re [ presentative of the loan company in person and that all aspects of the transaction were explained to her and under stood. I believe this document was a legal requirement and that it was e-mailed to her with instructions to print it out, sign it and mail it to them even though no agent and met with her in person. These are only some of the issues I 'm having trouble with. I 'm not sure what qualifies as a " predatory loan '' but my mother was pressured and misled. She would never had agreed, nor would any rational person agree to borrow XX/XX/XXXX dollars for three years in exchange for a house worth over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A modification package was submitted to the servicer on XXXX XXXX. Confirmation of the document was received via email, please see attachment. On XXXX XXXX the file was opened, please see attachment. A letter was generated XXXX stating that the financial package was received, please see attachment. On XXXX XXXX an email was sent to the servicer requesting an update on the file as well as an update on the sale date. Later on in the day a message was received via email stating the file was denied the previous day from a different party within the institution. See attachment. The package was sent in 9 days before the sale date yet the servicer is now refusing to review the file per the letter. The file was already in review per the letter that was sent out acknowledging the documents.Per the servicer portal website, work was still being done in the file as of XXXX, Please see attachment. 
On the XXXX " Servicer '' has confirmed the above mentioned borrower and location is currently " Under Review '' for any/all loan modifications in accordance with but not limited to HAMP Tier One, HAMP Tier Two, or any available " In House '' modifications. HAMP Handbook XXXX Chapter V Protections Against Unnecessary Foreclosure states the following : XXXX Suspension of Referral to Foreclosure-A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section XXXX ) unless and until the servicer has resolved the Escalated Case in accordance with Section XXXX. 
It is very apparent the servicer would rather foreclose on the home then move forward with the review to retain the home. The events described are just a sample of the practices that are taking place at PHH. PHH is more interested in foreclosing and selling homes at auction to make a profit. It appears that PHH 's lack of participation in a meaningful modification review of the file indicates a preference to profit directly from the homeowners hardships. Furthermore, the numerous times the homeowner has spoken to the PHH should extinguish any opportunity to excuse PHH 's behavior. 
At this time we are demanding a postponement of the sale date or the homeowners will assert their legal right and name PHH and XXXX XXXX as defendants in Civil Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: PHH Mortgage Services Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was recently purchased by PHH Mortgage. Our normal payment is XXXX. We set up direct deposit last month giving PHH permission to take out that amount each month for our mortgage payment. This morning the withdrew {$3700.00} without our permission. We spoke to their " customer service '' and they could n't figure out why they would take out this amount. Luckily for us, our bank ( XXXX ) has since disputed the amount and refunded our account. There are a few issues : 1. The scariest being, they were not authorized to take that amount out of our checking account. This is fraud and what I would consider illegal practices. There is no reason this should ever happen. 

2. The fact no one can answer us as to why this was taken out. The only thing we can think of is, they billed us for our whole Escrow account on top of our mortgage. They have only owned our mortgage since XX/XX/XXXX and our escrow account has always been up to date. 

3. The lack of good customer support. We 've been transferred 4 times and they admitted it was their issue and they would need to refund us. The then asked if they could just apply that overage to our next month mortgage payment. Their solution was to do what is easier for them. When we said no way they told us the turn around time to get someone to look at it would be next Wednesday- 6 days from today. Plus that 's to look at the problem, not refund us. This is n't XXXX dollars we 're talking about, it 's {$2000.00}. 

4. Lastly, their best solution was for us to handle it with the bank and have us dispute the charge. Luckily XXXX is great to work with, but that 's an unacceptable answer. We also, per XXXX 's recommendation, have to close our checking account and start a new one since they could still have that information even though we canceled direct deposit We are refinancing just to get away from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: Nations Recovery Center
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They left a message on a voicemail that clearly states many people use it. They left my full name & said they were attempting to collect a debt. I have no idea how many people heard this message, but XXXX of my friends have now told me about it. This is a Google voice mailbox and they have saved the recording in case it is needed later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent the credit bureas letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies.

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 2017-03-07
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/2017 I signed on to my online account at FNB of PA. I wanted to print a statement on my IRA - CD account so that I do not miss the maturity date to transfer it to another organization. When doing so, the statement that appeared was not mine, but for another of their customers. I could not access mine at all and now I have another persons account information. This is certainly a privacy issue and should have been dealt with on a priority basis. I called the customer service number and after a lengthy wait, they could see there was a problem. They mailed me my statement, but I want this issue corrected and it makes me wonder who has my account information. I received a call back from a loan servicing person who left me a message and said what ever problem that I was reporting was correct. It is not correct however and the other persons statement is still showing on my online account. I again reported this to them. So now I think a complaint is in order. I could determine that the last four numbers of my account matched the last four numbers of the other persons account, but mine was a CD and theirs was a savings account. I suppose it was a mapping issue so other account holders could experience the same thing.

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 2017-02-09
Company: Resurgent Capital Services L.P.
State: SC
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:
After reviewing my credit reports, I noticed a collection account from PYOD aka Resurgent Capital Services. On XXXX/XXXX/XXXX, I sent a letter to PYOD asking them to validate this debt with my signature and to prove that I was obligated to pay them. They responded back with a letter saying the debt was mine and needed to be paid. I wrote a letter again on XXXX/XXXX/XXXX again asking them to validate this debt. Again, they failed to provide a proof of signature, but continue to claim that I had an obligation to pay them, which I do not. This collection account is still reporting negatively on my credit report as of today, XXXX XXXX, XXXX, and is affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank is reordering transactions to cause overdrafts and not processing deposits before withdraws.

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 monetary relief
Consumer complaint received 2016-12-02
Company: ARVEST BANK GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Improperly placed derogatory information on my credit report. Asked them to remove and show account at timely and paid in-full. They refused in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing was recently transferred to Central Mortgage Company. They are charging me a {$5.00} fee to make one-time payments online. This is an unusual and unfair practice, especially in 2016 in which all banking and payments are done online electronically! In my loan documents, it was stated that there are no prepayment penalties. Well, this " fee '' is a penalty, in which if I wanted to make more payments in a month to lower my principle I am being penalized. Please help as this ca n't be an acceptable practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Real Time Group, Inc.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Realtime Resolutions out of XXXX TX took over my loan from XXXX in XXXX XXXX. I had filed Bankruptcy XXXX and made my monthly payments for XXXX 1/2yrs with no contact with them until XXXX XXXX when they started sending letters to my Lawyer saying I was behind {$3200.00}. on the loan. I had my Banker look over the loan history in XXXX XXXX and with her assistance we called RTR to get the account straight. The account was corrected by a XXXX XXXX and we agreed that the loan was behind {$1100.00} for which I agreed to pay it back plus the monthly payment over a 4 month period from XXXX XXXX to XXXX XXXX. 
I made all the payments that were agreed and then the regular payment from that point on. I contacted RTR for an issue with them not sending me monthly statements around XXXX XXXX and found out my account is behind again {$330.00}. I sent RTR proof the payments were made from XXXX to present showing bank statements and cleared checks for which they are refusing to accept. I contacted my banker again and had her go thru the loan history and the letters RTR was sending and says RTR is sending conflicting information that doesnt add up in any direction. I need your assistance to find out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: NATIONS DIRECT MORTGAGE, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company incorrectly read a bill from our Home Owner 's Insurance Policy prior to closing. They " thought '' it was paid but never called either us as the borrowers or the insurance company to confirm that there was a zero balance. They never asked for confirmation of the payment. They then wrote our contract to reflect that the insurance was paid prior to closing and did not collect the premium during closing. It was never explained to us that this was happening. We were unaware until after closing when our Insurance company started sending us letters letting us know that this was not paid there was an issue. We called the mortgage company to see why it was n't paid and it was at that time ( almost a month later ) that we were advised of this. They refuse to adjust our escrow so that we can pay the insurance monthly, tried to make us take force insurance which is 4 times higher then our XXXX XXXX policy, and refuse to admit their error or assist us in any way. They were sent multiple bills from the insurance company that they did not follow up on and from the beginning we were advised that they would be taking all insurance and taxes out of escrow.

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 2015-06-03
Company: Continental Finance Company, LLC
State: AL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Applied for Verve mastercardNever received cardCharged {$120.00} annual fee on XX/XX/2015 but never got card or activated it. 
Cardholder services said card mailed out XX/XX/2015, three days after i was charged. 
To me this should be illegal. 
This has happened to many people that i read about online. 
XX/XX/2015 the Consumer Financial Protection Bureau ( CFPB ) ordered Continental Finance Company LLC, a subprime credit card company based in Delaware, to refund an estimated XXXX to approximately XXXX consumers who were charged illegal credit card fees. The agency found that the company 's " fee-harvester '' subprime credit cards misrepresented certain fees and hit consumers with illegal charges. The order also requires the company to pay a civil penalty of {$250000.00}. 
they are still doing this!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
A XXXX in line debt collector has categorized an installment loan ( originated as Exhibit B -- Unsecured Promissory Note on the last day of closing a XXXX XXXX XXXX ( XXXX ) short sale of real property, XXXX XXXX XXXX, XXXX XXXX CA XXXX, XX/XX/XXXX -- and that exhibit may really not have signatures nor been notarized at that time ) as a current XX/XX/XXXX late pay mortgage on my credit reports. This has caused me to not receive approval for completing a mortgage loan-XXXX and XXXX XXXX, and caused denial for me to rent another home -- due to 'adverse impact ' on my credit check by XXXX XXXX XXXX XXXX in the attempt to rent. I have consulted with an attorney, last week XXXX. I know the debt is old -- however offered an amount, that I was originally told in XX/XX/XXXX, that would be the amount wanted by XXXX -- to this debt collector -- Real Time Resolutions ( RTR ) -- which is really a 'strong-arm enforcer ' of XXXX -- I think. On prior credit reports, the XXXX XXXX debt collector -- XXXX XXXX XXXX, - listed this debt correctly -- as an Installment Loan. Now RTR calls it a 'current late pay mortgage loan. ' I hope these XXXX credit bureaus -- -which I have filed disputes with in XXXX and XX/XX/XXXX -- will correct the category of this debt on their reports. They ( XXXX and XXXX ) denied my disputes and basically have said -- whatever RTR said is the truth -- and that I am the bad, bad person. I want resolution and corrections -- and to be able to move forward with my life. I have docs to attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Prepaid card
Sub-product: Transit card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased XXXX Regions Now cards and they were stolen and before I could report them stolen the thieves used up almost {$5800.00} of the {$9000.00} available. Regions has video footage of XXXX of these perps at XXXX of their ATMs in a hoodie and mask and it it quite evident he is of another race than I but Regions refuses to refund any of my loss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: NATIONWIDE ACCEPTANCE LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Nationwide Acceptance 's website says I owe a certain amount of money significantly less than my monthly payment. They acknowledge their website is wrong and says it does not calculate interest correctly when overpaying the monthly loan amount. Then the debt collection phone calls started, where 80 % of the calls came from blocked numbers ( says No Caller ID ). I have been hung up on and told the phone calls will not stopped. Additionally, when trying to resolve the issues and be current, I called two days before the next payment was due to fix the issue and they choose to only disclose the amount I owed for one month instead of two ( due to their errors on the website ). Later, still trying to fix the problem and be current, I was told there were little notes on the discussion and I was mistaken. When talking to an actual branch in Nevada ( different from their collections office located in Illinois who never returned my call ), when I told them about the blocked calls they denied ever doing it and their legal team is big and welcome complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. This account XXXX  XXXX Account number : [ XXXX ] was opened by my husband for himself as reported in XX/XX/XXXX ( I'm only an authorized user ). 

However after asking that the payment history and dates be updated and corrected ( on XXXX XXXX, they have again all reported differently from all 3 bureaus. The bill has been paid by due date every month since he's gotten it. 

But, there are many violations on the credit report when comparing XXXX 's credit report to XXXX 's credit report because XXXX has completely deleted every record of having an account now according to my XX/XX/XXXX credit report pull. Which makes it a complete violation to report anything on the payment history, with no reportings showing for an account at all from that bureau. It has also been over 30 days again. 

I am aware that all XXXX bureaus must show the same reportings line-by-line on a credit report, or it's considered a violation. And According to the FCRA everything must be 100 % accurate. ( According to the CFPB bulletin on XXXX XXXX ) theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 

I'm dealing with adverse affects because of my credit now because of me disputing and trying to get a fair credit investigation. My credit score has dropped a lot within the past month. And me and my family have not been able to obtain our own housing now. So the address that was on file previously is no longer ours. 

15 USC code 1681n ( a ) ( 1 ) ( A ) I'm requesting monetary relief and proper corrections to the account. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) 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 explanation
Consumer complaint received 2016-08-02
Company: Garner & Conner, PLLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Garner and Conner purchased this debt from the apartment agency I used to rent from. In email communication to me, their representative said that he would have to negotiate with former landlord on my behalf about the amount I would have to pay. He was lying, because my credit record shows the debt was paid off to the apartment company when Garner and Conner purchased the debt. They got an agreement with me on false pretenses. 

Then, my father was killed suddenly while I was negotiating with Garner and Conner. I did fall behind a little in the initial down payment but I am more than caught up at this time, even ahead of the agreement. 

Without any mail or email or call, I got a summons to court for XXXX XXXX. It is true that I agreed I could be sued if I did n't pay on time but they gave me no warning at all that a summons was in the works.

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