BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX     XXXX   XXXX   XXXX  .
  XXXX   XXXX  , LA  XXXX  I became late with my mortgage due to illness and job loss and was approved for a short sale. I listed the property and an offer was submitted by my Realtor.   XXXX   made a cash offer on the property for more than the bpo. We encounter a problem due to communication : since the offer was from a corporation we were notified that the mortgage company needed articles of incorporations. That information was provided and a later email was sent and it was not sent to my Realtor requesting that they needed authorization from   XXXX   that the person signing the purchase agreement be confirmed that they were authorized by  XXXX  to purchase real estate on there behalf. The authorized person was out of the office due to illness and we had a delay in getting that document. It has been provided and sent to SLS and now everything is in place to move forward with the short sale. I am being told that since it 's 1 day late they are cancelling my short sale. I would like to short sale the property rather than it be foreclosed on. I found my husband dead on the porch of the property and I am now widowed with school age children to care for alone. We the 2016 Great Flood of Louisiana rentals are expensive and my hope is to position myself to purchase a home for myself and children. I have request that the foreclosure be proposed to move forward with the short sale. I do n't think foreclosure benefit anyone ; so I think that I am being treated unfairly. The area is crime ridden which is why my husband was murdered and the fact that we an offer from  XXXX  is a blessing.

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 2016-06-12
Company: HW Holding, Inc
State: TX
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:
I live at the XXXX XXXX with a one year lease. The apartment caught fire in XX/XX/XXXX/XX/XX/2013 due to faulty wiring. The complex moved people to cheap hotels around the area. I chose to move out shortly afterwards because of safety issues since the XXXX failed to provide an safe residential environment to residents as outlined in the lease. The XXXX has now hired a collection agency to have me pay {$3000.00} ( I am not sure what for ). The collection is on my credit report ( Hunter Warfield - XXXX XXXX XXXX XXXX, XXXX XXXX ). The address for the XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing has taken over my loan from   XXXX   XXXX  . The payments to them have been set up on auto-pay since day one. Almost every month I get Late Notices from the bank and harassing phone calls from them saying my payment is past due or has not been made.
I have never missed a payment on this account. Each time I call they say it has been fixed, but it happens each month. I am concerned about the harassment and the possibility that my credit may be affected by their incorrect data, and the constant late notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with Experian, XXXX, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, we 're in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like XXXX are one in the same, but neither one can help I think me and XXXX Americans are being misled by the credit reporting agencies. Thank you for helping me ~ 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 2017-02-17
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I HAVE CONTACTED THE DEPT OF ED NELNET ON SEVERAL OCCASIONS. I HAVE ADVISED THEM THAT I NEVER TOOK OUT LOANS WITH THEM AND THEY STILL CONTINUE TO REPORT ON MY CREDIT REPORT THAT I AM 120 DAYS LATE WHICH IS NOT TRUE BECAUSE THEY GARNISHED MY TAXES ONE YEAR AND I HAD A OFFSET FROM THEM WHEN I ADVISED THEM THAT THE LOAN WAS NOT MINE. I HAVE CALLED SEVERAL TIMES AND BEEN TRANSFERRED WITH NO HELP. I HAVE EVEN SENT LETTERS ASKING THEM TO REMOVE THIS OFF MY CREDIT REPORT ESPECIALLY SINCE THEY GARNISHED MY TAXES FOR A FRAUDULENT ACCOUNT. I HAVE NOT GOT A RESPONSE AND ITS STILL ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They repeatedly call numbers that are not associated with myself and disturb ill people. It is unprofessional and disrespectful. IT NEEDS TO STOP. THEY WILL BE HELD RESPONSIBLE FOR ANY FURTHER DISTURBANCE OF THE ILL PEOPLE. When I call back they put me on hold and then the line gets disconnected. After calling numerous times I am able to reach someone and ask them to stop calling because they are disturbing ill people. Even after asking them to STOP, they still call. I do n't even know who National Credit Adjusters are and how they got the numbers they are calling and what they want!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had an error in the reporting of an account type, and additional related details of my loan account. I have filed at least  4  disputes to try and correct this issue, each time the dispute is considered " resolved '' with nothing changing and no reason for lack of change. I faxed a bank statement indicating account type, and a comparison of the output credit report showing the differences between the same account between Transunion and another bureau on   XXXX    I called many additional times to both the bank and Transunion with no resolve. On   XXXX     I spoke with  XXXX  a  (   XXXX  in the Special Handling Department  )  and she stated that the faxed documentation she received did not provide enough support to change the account type. I asked why the Banks own Statement indicating account type of " HELOC '' was not sufficient. She stated " we can not tell you that it is proprietary. '' How is a consumer supposed to meet some " proprietary definition of proof '' when it can not be told to them.  XXXX  and Transunion show no willingness to help the consumer and go remotely out of their way to protect the consumers credit standing. Transunion needs to truly resolve this issue instead of faking it by closing disputes without even considering the information a customer submits.

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 2015-03-20
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Other

Complaint:
I have disputed this XXXX times but discovercard must be in cahoots with XXXX gym. 
I joined the gym and signed a contract for the regular membership in XXXX. Then, last XXXX of XXXX I decided to get a personal trainer at this gym. I talked with them and they said a 3 month program was what I needed. So I completed the 3 months. ( Actually, my XXXX XXXX went up so I could n't finish and that 's another story - trainer was going to keep my unused sessions for later, when bp was better. I have texts about this. The texts also prove my point of not even KNOWING of any contract as I am asking the trainer about my sessions EXPIRING after XXXX months ) So in XXXX of XXXX I get my discovercard and it shows they charged ANOTHER {$300.00} for a fourth month! I went from the mailbox directly to the gym. This is when I was told I hadto cancel my trainer sessions at least 30 days prior to ending and since I did n't have 30 days until the NEXT billing date, I would be charged ANOTHER {$300.00}. I was confused as I thought I just got 3 months and that was it, unless I signed up for more so they offerrd to keep the sessions for when my bp returned to normal and when I returned to Florida in XXXX from an extended trip. So I went home and just could n't figure it out how I had n't known better, or " known ''. Next day, I went back and had the girl behind the counter print me out my contract. Turns out I had XXXX. XXXX was the original that I had signed, and XXXX was for the trainer and it WASNT signed and I had n't seen it! That explained it! They had gotten sloppy. They 'd also lost anything about me, like my diet from my dietitian, the original pre-workout measurements, etc. 
So when I called Discover card, I was told that this would be taken care of no problem, since there was no signed contract. 
I also still have text messages with my personal trainer where I ask if I have to do anything like talk to the " big shots '' to be sure they keep my unused sessions until my XXXX XXXX improves, which is after my 3 months expire. He should have told me they DONT EXPIRE and I need to CANCEL 30 DAYS OUT!. I do n't think he was trying to scam me though. I hope not. I think they messed up and wanted to get {$600.00} more, like they normally would. Maybe they did it on purpose, do n't know. I just know my credit company should have went my way with the dispute. Their evidence they showed in the dispute was the UNSIGNED CONTRACT!! I said that is MY EVIDENCE!! What kind of country is this if they can truly do this? I think Discover is just incompetent or in cahoots, as I said before. 
Please help me. I refuse to pay this but am afraid it will ruin my credit and I have always strived to be a good citizen. I must say I 'm disenchanted. How could this happen? Nothing means anything anymore. A blank contract is good enough? How could they be so ignorant or did something change with contracts I 'm not aware of??? Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
My bank account, savings, checking, as well as a credit Account had an address change that was unauthorized. I immediately called Fifth Third call center and spoke to XXXX to be told my account address was changed via the phone. I asked to freeze accounts but could not be done on the phone so I went to the branch. The address was changed on my account by a person by the name of XXXX XXXX but why would that be in the bank notes and why would the bank allow another person to change account address??? I asked why the address would have been changed all they could tell me it was done on the phone. What? And what about multi faceted questions to check account holder??? HELP!!! My bank statement may have gone to this new XXXX address they could not tell me if that happened

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
As a veteran I applied to refinance my mortgage under a program to lower my mortgage payment under a program as a veteran. After accepting a fixed mortgage to get out of an adjustable rate I received an offer that would considerably lower my mortgage. It was then ( approximately 2 months ago ) I was notified the my credit report reflected the my loan was in forbearance for 2 months. I did not even have that mortgage for 2 months. My lender did a 3 way call with Freedom Mortgage who explained that this was a problem in their system. Now 2 months later I had a job offer with XXXX suddenly removed. I called them to find out about the correction which has not been made. This is also preventing a current refinance opportunity. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: DISCOVER BANK
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Through out the month of XXXX I have had multiple issues with Discover Bank. I have had this bank for roughly two years and I never encountered so many issues with them like I have had in these recent past weeks. Discover Bank does not have any physical branches or services like deposit accepting ATM 's, they also do not offer any form of overdraft protection. Discover Bank does offer mobile deposit which they claim to be a convenient way to have deposits made quick and efficient to customers checking account. It is not so convenient as most items are not credited until one business day. I had contacted one bank official and asked if they could credit my account if I used an item such a cashier check ( which certifies the amounts mentioned on instrument ) Discover said they could credit the account as the instrument of deposit was certified, I would just have to inform a representative of the deposit and when it was made. I did that deposit for an amount of {$50.00} to avoid any negative balances, returned payments, and NSF charges. I also emailed them to inform them of the deposit so they could go ahead and credit my account and have everything corrected. I was emailed back by a representative at XXXX central time informing that they would not remove the hold on certified funds. Discover went ahead and returned XXXX ACH payments and XXXX draft payment because their was a negative balance. At the same time they had also place a hold on ACH deposits of {$250.00} the that would have covered the payments that were attempting to post on the checking account and the cashier check would have covered any other outstanding balances. Within the account summary in the online banking page of discover that the mentioned draft posted and cleared leaving a debit balance {$98.00}. I do not understand why discover put holds on my account for funds that certified and verifiable. Those actions by Discover have subsequently cause me to have had returned payment fees with my payees and have made stand out as customer that can not meet his obligations when that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made an online purchase for website service. I was unhappy with how the process was going so I asked for a refund. I did n't hear back from the merchant so I disputed the charge though Chase. After a couple of months my claim was rejected as more paper work was needed. I was able to redispute the case after sending in further paperwork. I received no updates for months and had called myself weekly. After the deadline for the merchants bank passed I received a notice that I again had lost the dispute.
From there I contacted the merchant to try to work out receiving what I paid the {$1600.00} for. They informed me that I indeed won the dispute. They also provided me with paperwork on the matter showing that I had won.
I called there bank which is  XXXX  and to my surprise  XXXX  also confirmed that I had won the dispute. They told me I needed to speak with a higher ranking team member at chase to resolve the case as there was nothing they can do because I won the case and chase needs to remove the funds from limbo and apply them to my account.
I have spoken to chase many times in the last couple of weeks but have been unsuccessful in speaking to a team member that can help.
I informed them that if a case manager could n't get back to me in a timely manner I would be reporting them to the trade commission and here I am.
Please Help!   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I called on XXXX/XXXX/15 at approximately XXXX and spoke with Branch Manager XXXX XXXX and explained to her my concerns about my account being debited 7 days after a purchase. I explained to her that I had been into my local branch BMO XXXX XXXX and my issues are still unresolved, she stated that she would look into this and call be right back she never returned my phone until after I called her back almost 24 hours later ( what about to Customer Service and Integrity ) After speaking with her on the next day I was informed that BMO Harris system indicated that my actual physical card was swiped 6 days later in which it was not and then removed from my bank account 1 day later. I then explained that I could produce a receipt stating that BMO Harris system is incorrect due to the fact the my receipt shows a date of Friday XXXX XXXX, 2015 not XXXX XXXX, 2015. She informed that its basically what BMO HARRIS system states and not my receipt. I asked for a corporate phone number and or address and she was unable to provide me with this information. She stated that she only had an internal number no contact number that could assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: AL
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 pulled my credit report and I could not believe the items that was there. I had no knowledge of so many accounts! It was amazing to me. I always heard that this type of thing could happen but did not think it could happen to me. I reached out to the creditors to clear my name and they would not move, but instead they asked me for money. These Please help me to resolve these very costly mistakes. They are preventing me from living the life I have worked so hard to obtain. There are several accounts including   XXXX   XXXX   XXXX  . I have no knowledge of any progressive account that I 've ever had and this is not my debt. There is a frontier communication account that I have no knowledge of. Please me to resolve these issues as well. Many inquiries and I am just sickened when I see so many knowing that I never authorized them. Please help!
There are inquiries from   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  , and  XXXX . Please let me know how these companies have the right to place inquiries on my account with no authorization. Please just help me to resolve these errors.

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 2022-01-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone has used my information to apply for credit without my authorization and knowledge. And as a result I am a victim of identity theft. They have caused damaged to my consumer credit report by reducing my credit score and preventing me from actually obtaining credit. I I have no knowledge of neither have I authorized those credit inquiries. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation