BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-24
Company: TJC Mortgage, Inc.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I am selling my home at XXXX XXXX XXXX, XXXX, AL XXXX. The buyers XXXX XXXX XXXX XXXX obtained a pre-approval letter from TJC Mortgage NMLS # XXXX indicating they were pre-approved for a mortgage loan of {$230000.00}. Our closing was set for XXXX/XXXX/15 and I was scheduled to close on another home the same day. XXXX days prior to XXXX, XXXX XXXX with TJC Mortgage contacted me to let me know there was a delay and would have to postpone closing until they cleared up a mistake on the buyer 's credit. Since then, I have written communication from XXXX XXXX indicating the lender had approved the loan and it should close " any day ''. Due to this notification, I proceeded to solicit a moving company to move my entire house as the buyer 's wanted immediate occupancy at closing. I moved on XXXX XXXX, 2015. From XXXX/XXXX/15 - current date of XXXX/XXXX/15, TJC mortgage has been lying to me saying they had the loan approved and it would close any day. However, a phone call to their owner XXXX XXXX, revealed they had submitted the loan to XXXX different lenders and the client had yet to be approved, thus no closing date to be set " any day ''. I have declined further interest in my home and missed opportunities for additional contracts on my home not to mention the {$2400.00} so far of moving expenses and now have to pay to move my things back to my house. I believe this mortgage company acted in bad faith and should have notified me at closing or before that this buyer was not credit worthy and they were unable to fund their loan to enable me to relist my home and not lose a potential buyer and not incur the moving expenses of {$2400.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2020, I submitted request as permitted under FCRA Sect 609 for the source of information used to report the following account : XXXX/XXXX partial acct # XXXX. 

Requested that Transunion, the CRA, to provide me with information within 30 days or permanently delete account from my file, as permitted under FCRA. Transunion did not properly investigate. They did not provide me with information that I am entitled to, thereby denying me my right under FCRA Sect 609. 

Transunion, sent updated credit report with the same information, without the information requested.

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 2015-07-08
Company: SUNTRUST BANKS, INC.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On Monday, XXXX XXXX,2015 I received a notice from my mortgage company that monthly payment would increase by XXXX dollars. I contacted SunTrust mortgage company and was informed that the increase was due to my property taxes going up by over XXXX dollars. After learning this, I went in person to XXXX XXXX tax assessors office and the XXXX county tax office. At both locations I was informed that they had not provided SunTrust mortgage company with any tax information. And they did not have any idea where SunTrust mortgage was getting their information. 
My wife and I are senior citizens. A XXXX dollar monthly increase in are mortgage payment would have a very serious impact on our lives because we live on a fixed income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/2015 I had a credit score of XXXX with Equifax , I had prev disputed accounts due to identity theft on my report, so I put a security freeze on my account. So about in XXXX I called Equifax to have my security freeze lifted but for some reason they could not lift it right away they stated they had techinal issues and I had to wait for 72 hours, and it actutally took a week or longer. So when I did get a chance to see my credit report I noticed that they had added XXXX accounts to my report. I reached out to Equifax and asked why they stated I had to files that were the same exact information on it. So Equifax combined the duplicate file to my report which added XXXX accounts back to my report. I have been trying to dispute information to them they are very rude when I call. I have sent information providing that those extra accounts were prev disputed and removed but they refuse to do anything about it. I am a victim of identity theft and have a police report on file. they will not remove those xtra accounts. It was Equifax consumerdept that will not help me in any way shape form or fashion. I have faxed over documents and they still have that duplicate information reporting on my credit report. Equifax Consumer Dept are the wrost people to have to call and talk to, because I call so much sometimes I can here them making smart remarks or laughing in the background. They have said thy have disputed the accounts and I have asked for actual paperwork validating that these accounts are mine they told me that they do n't send out information like that. I am so pised off with Equifax , they will do nothing to fix my problem, my credit score went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX they will not give me any information to prove to me that these accounts are mine, I requested information in black & white proviing that thee accounts belong to me but they will not due so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX Letters were sent for all accounts XX/XX/2020 and no response was given from the bureaus within the 30 days in regards to the letters sent.

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 2018-08-07
Company: Central Portfolio Control Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX has called me at least three times this week I told them that this is harassment and I was going to take action and wanted the calls to cease. They have never sent me an invoice or letter telling me of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card information was taken as I am suffering from identity theft. My debit card was used to purchase fraudulent concert tickets. I reached out to my bank in regards to these charges and they told me that they would investigate and nearly a month later my claim has been denied and the money was retaken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
It starts back about a year ago I got a phone call from them trying to collect this debit. They refused to send me something in the mail and take a settlement. I refused to handle the account at that time. Yesterday XXXX/XXXX/16 I received a phone call at XXXX from XXXX from a lady stating that I was being summons to court. I needed to call XXXX and gave me my case number. Stated she could not open my mail when I asked what is this about. So, I called the number provided never once did they stated they were attempting to collect a debit till the end of the conversation when I pretty much caught on to what was going on. She stated this was the final attempt to get this before it would be out of their hands. I use to work for collections so I understand they have a job and its a debit I owe but you can not falsely state I am being summons to court. After I got off the phone I called back asking for a manager. He stated their company does not do that. I gave him the number that the person called from and stated then how did i get my " case '' number. When you call back the number it stated this number is disconnected. I know my rights and what they did was far from the correct way to handle collection a debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not notified and was unaware of this medical balance till I saw it on my credit report about 6 months ago. I contacted the company and disputed it but I did not get a explanation of the debit and they could not provide any information, just stated that they do not own the debit and they would contact the original creditor XXXX XXXX  which is not a hospital here in XXXX, FL. This has now negatively effected me in my home buying process.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Gordon, Aylworth & Tami, P.C.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Saturday, XX/XX/XXXX, an intimidating man with large knuckles appeared at my home and I was hesitant to open the door but eventually did as he was walking to his car. He claimed to be a process server but did not provide me with any kind of identification or business card for me to verify this information. He handed me a packet which claimed to be an electronically filed court case from the " DISTRICT COURT OF THE STATE OF WASHINGTON FOR XXXX COUNTY XXXX DIVISION - XXXX COURTHOUSE '' .I did not sign to receive it. 

I called the phone number on the packet which lead me to Gordon, Alyworth, & Tami, P.C.  Attorneys at Law where I spoke to a person named XXXX ( I may be mistaken, he only gave it once and it was very brief ). During the call I asked many questioned to clarify what this packet was about and what my options were. XXXX (? ) was very quick to give me the run around regarding options and at one point explicitly said " I did not tell you that option because I did not think you had any money '' which I took great offense to. Upon hearing that, I made sure to reiterate the things XXXX was telling me as well as ask if that were all the options for next steps possible. Initially XXXX only presented me with 2 options, but by the end of the 16 minute call, I had 3-4 options. 

Later on, I personally visited the county clerk website to see if such case existed and there was no such case against me. After consulting with an attorney I have also found that the packet that was delivered to me had no signature from the county clerk, no reference number, no court date, and no case number. Its contents were : the appearance of a summons, a copy of XXXX XXXX XXXX XXXX WA business license, and a " case information cover sheet '' allegedly from the XXXX county district court house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/2021 HSBC restricted my XXXX checking account XXXX without any reason or warning. I have been try to have them remove the restriction by calling XXXX. I do received a monthly income of {$5.00} and my money is frozen with a balance of {$5100.00} on it. I can not pay bill or food or rent. At this point i would like to remove my funds and terminated my relationship with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to XXXX to get my report. The Equifax questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried fro two months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in as no reply has been sent. Thank you for your time. Attached is the last letter i sent this credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
When my mom passed in XXXX 2016, I discovered that she had taken out a XXXX mortgage loan with CitiMortgage that was referred to Bayview Loan Servicing. As her heir and administrator of her property, I contacted them about the loan and required documentation about the loan process from the initial loan. As of today, I have n't received any documentation or cooperation from the lender. Three months ago, I have spoke with a representative about negotiating a payoff and she stated that she would initiate the process and assign a case manager to the case. I was told not to submit any payments until I hear back from them through a certified letter. After a month pasted and no certified letter received, I called the lender and expressed concern about the request. I was informed that no such request had been submitted. The rep assured me that he would submit the necessary documentation to initiate my request. After weeks had pasted and numerous attempts to reach Bayview by telephone for a response, I finally got a representative to answer my request. I was told that Bayview would not negotiate a payoff because the value of the home, if foreclosed, would cover the loan amount. Though disappointed, I asked about the passed 3 months payments and learned that late fees had been asset to the account. On XXXX/XXXX/16, I made a telephone payment in the amount of {$410.00} dollars ( confirmation # XXXX ). A week later, the amount still has n't been deducted from my account. Therefore, I called the lender no less than 10 times totaling hours of my time seeking an answer. I finally got a live representative that explained my payment was rejected for insufficient funds. I stated that there must be a misstate because my account has more than sufficient funds to cover the charges. The rep stated that I can resubmit the payment through XXXX XXXX, which I stated was unacceptable because my checking account has over {$8000.00} dollars in it and that the representative had to have keyed in the wrong information. The representative hung-up the telephone. He was the second representative to do that such action when I requested to speak with a manager. I called back and was told that I 'm not authorized to receive information on the account. I am absolutely dumfounded by Bayview 's representatives actions. This is unprofessional and down right deplorable. All I want to do is make a payment and this is being rejected. XXXX 's statement depicts the attempted payment of {$410.00} dollars suspended. Can I please get some assistance in this matter. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This agressive collection agency is reporting false dates and information to XXXX relating to a {$170.00} Medical bill and claiming to be the original creditor, I have ask them several times for documentation relating to services rendered, I never recieved any services from original Hospital, they refuse to listen and have been very rude to me and called me a liar, I have recently sent a demand letter to the Hospital, XXXX and this agressive collection agency. Phoenix Financial Services LLC XXXX, IN. XXXX I have also had to send them a Cease and Desist letter for harassing me, they are reporting a five year old account as if it was a new account and late as of XX/XX/2017, they told me if I did not pay that they would cause me problems, I was able to remove it from XXXX and XXXX and still trying to get XXXX to fix the problem, I consider this harassment and would like to file official complaint, they are trying to ruin my credit. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. Consumer adjustmentXXXX XXXX XXXX XXXX for {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

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 2015-05-22
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I made a payment towards my Peoples United Bank Card Services credit card balance a few days before due date on XXXX XXXX, 2015 at the local Peoples Bank office here in XXXX, CT. But when I checked my credit card balance a week ago, that payment had not been applied and my balance was now approaching my limit without said payment. 
I have been in regular touch with Peoples United Card Services for the past week. I have talked to multiple people, managers, over managers and nothing has been resolved to date. They have ALL the info they need i.e. faxed form from Peoples Branch in XXXX, CT showing that I made the payment, email from me showing the check I wrote and the money having left my checking account. They acknowlege that the payment was made but they have STILL NOT applied it to my credit card. They have charged me a late fee, they are charging me interest every day AND this is affecting my credit rating which was excellent. I need IMMEDIATE help with this. Peoples United Bank Card Services has demonstrated abysmal customer service to someone who has been a customer for almost 25 years. I have paid my bills on time and for many years in full and this is the way they treat their customers. I need your help to urgently resolve this matter. I will be taking my business elsewhere after this and will never use Peoples Bank, Peoples United Card Services again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i tried numerous times to contact huntington bank and let them know that all charges were fraud on my account but they never helped me now i started with XXXX dollars to the good band they closed me out officially at XXXX in charges all from them with no help for me to just get rid of the nuisance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: PA
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:
1.CRA returned dispute investigation with " updated '', although nothing was updated. The account has incomplete and missing information which was not verified or updated. FCRA, sect 611 requires prompt removal of account. CRA will not properly investigate or remove account.

2. CRA has a history of responding to these complaints claiming they have reason to believe I am not the author of my own disputes, while not notifying me of their concerns. Instead, they do not investigate or follow FCRA. Violation : FCRA sect 611 3. The CRA is repeatedly re-inserting inaccurate and incomplete information on my file. This is in violation of FCRA, sect 611.

4. Request to remove this obsolete account is permitted ( FCRA, sect 605 ). CRA will not investigate my request for removal and delete account.

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