BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX  , 2017 I co mpleted an application for property tax exemption with the  XXXX  County Appraisal District (  XXXX CAD ) and was approved due to a   XXXX   XXXX   VA  XXXX  rating.   XXXX  CAD provided me with a letter certifying that no property tax will be due for the    2017 tax  year. I contacted my mortgage company, AmeriHome Mortgage, to let them know on the  XX/XX/XXXX  an d requested an escrow analysis. The representative informed me to call back in four days and they would have an updated escrow analysis. I called back on the   XX/XX/XXXX  an d requested an update, the representative told me that my paperwork was inadequate but they had contacted  XXXX CAD for clarification. I was then informed to call back in  four  more days. I called back on/around the   XX/XX/XXXX  to re quest an update and was told by AmeriHome that I did not qualify for a property tax exemption and they had closed my request. I contacted  XXXX CAD and they confirmed that I was not required to pay the property tax and said to have AmeriHome contact them directly if they needed additional clarification. I contacted AmeriHome and requested a third escrow analysis, confirmed the information, escalated the issue. On   XX/XX/XXXX   I contacted AmeriHome again to request an update and the representative told me that the property tax department did not complete my request because they had already denied an update on the   XX/XX/XXXX   even thought they had new information from  XXXX CAD. I asked for a fourth time to have an escrow analysis completed, confirmed the property tax department have the information and was just told it was going to take another week ...     I have asked for this escrow analysis to be completed  four  times, calling in over and over again wasting my time for something that should be a simple transaction. I just want to have my tax records updated correctly so that I am not paying unnecessary funds to an escrow 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
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX has my married name on my report, yet I have requested that to be changed several times. The response to this action is that creditors are allowed to change this information at their discretion. As well, there are phone numbers on my file that do not belong to me as well as debts on my Experian file that have been cleared with all other reporting agencies. My goal is to have all of my credit reports consistent with the proper information during the process of repair, which I am currently engaged in. I have experienced issues in accessing my account online as well as dispute claims not being addressed within the proper time limits.

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 2020-03-02
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 a monthly transfer to my wife account was not credited. When complaining to the Bank they instructed me to make the transfer again for a different amount. Next day both transfer had been credited to my wifes account and my account showed insufficient funds, to cover monthly payments to my creditors. 
Eventually the bank recognized the error and credited my account with the fees charged for insufficient funds, but the error impacted negatively my credit score that was lowered from the mid high 700 to the mid 600. 
This part of my complaint was ignored by the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX  has my married name on my report, yet I have requested that to be changed several times. The response to this action is that creditors are allowed to change this information at their discretion. As well, there are phone numbers on my file that do not belong to me as well as debts on my  XXXX  file that have been cleared with all other reporting agencies. My goal is to have all of my credit reports consistent with the proper information during the process of repair, which I am currently engaged in. I have experienced issues in accessing my account online as well as dispute claims not being addressed within the proper time limits.

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 2017-04-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I ca n't get any information on WHY loan balances are so high. I ca n't get statements. I do n't know whom even is serving my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We had a   XXXX   bill and it was paid.  XXXX  messed up the billing and somehow said we owed a amount that is not owed. We have contacted  XXXX  and have on a recorded conversation that this debt is not owed.The conversation between myself and a  XXXX  representative clearly states that a  XXXX  balance is owed. And he would get me a statement showing so.He also clearly states that the collection company needs to update it on there end. And cease with any further attempts to collect on this debt. As it is not valid.   I have spoken to focus recievable management several times including the floor supervisor. They always say this will be taken care of and they will get back to us, But then we never hear from them. They have a copy of the recorded conversation as well. And refuse to acknowledge it.This is in violation of the FDCPA especially when we have a recorded conversation stating from the original company that the debt is  XXXX .   Attached is the recording which clearly states that there is a  XXXX  balance due. I also have attached the final payment we paid to them for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section XXXXB that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

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 2018-05-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We closed on a 203k Loan in XX/XX/2016. All repairs were to be completed within 6 months. 
Weve had 3 different Contractors in the House for nearly 2 years now! Weve been making a mortgage payments on a fully completed project for 2 years and the project is not completed The HUD inspector never actually looked at the Contractors work ( which he is paid to do ) therefore, Contractors were paid on bad work .. ( floors ruined, ceilings leaking, sloppy unprofessional work.. horrible tile, items left in property.. just total disregard for the consumer We had to pay for 90 % of the materials out of pocket even though it was covered in the 203 k! 
Someone needs to be held accountable Can you help us please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This morning on   XXXX   XXXX   XXXX    , at   XXXX   XXXX   i withdrew cash from TD bank on  XXXX  and  XXXX   XXXX   XXXX  in  XXXX , Ny. I gave the money directly to another individual ( for payment pf a sale ) and accompanied him to the  XXXX  bank on  XXXX  and   XXXX   XXXX   XXXX   around  XXXX .   When he deposited the cash into his account at   XXXX   XXXX  , the teller held onto a single  hundred dollar bill  and deemed it " counterfeit ''. They confiscated the {$100.00} bill and gave him a receipt from the  Secret Service  explaining the congiscation. The reason for this complaint is i recieved a counter feit hundred doll ar bill from the teller at TD bank on  XXXX  and  XXXX . When i spoke with the  manager and  explained tge dilemma, he simply stated " this happens sometimes, and there is nothing we can do about it ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was an uber barclays credit card that was opened using my social. I never applied for this card. Someone has access to my social and has used my identity and social to apply for credit fraudulent, including this uber barclays credit card.

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 2021-11-18
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:
AS I REVIEWING MY CREDIT REPORT. I NOTICED MULTIPLE ACCOUNS THAT DON'T BELONG TO ME. MY IDENTITY WAS STOLEN IN THE PAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AS I REVIEWING MY CREDIT REPORT. I NOTICED MULTIPLE ACCOUNS THAT DON'T BELONG TO ME. MY IDENTITY WAS STOLEN IN THE PAST.

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 2022-04-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, DEPTEDXXXX account # XXXX, XXXX XXXX account # XXXX, has all violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Bank of America sold to XXXX XX/XX/2011 and was supposed to file a release of XXXX with the bankruptcy court but did not. The current title report still shows a XXXX with Bank of American and they say it's not their problem. I can not re-finance because of this 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 2021-11-18
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called Convergent services about a debt I owed. Once connected with an agent I could not get a straight answer about what the debt was from. Agent then asked if I had a job I said yes. Agent then responded that theyd put me on a payment plan. I declined and let the agent know I would contact XXXX directly to figure out what exactly I owed from. Agent then responded why would you do that and what am I not understanding? I let him know that I would contact XXXX and figure it all out and make a payment in the coming days. Agent stated that he would be calling me back and threatened me by saying that I better pick up or else. When I asked him to repeat himself he asked what was that so I repeated asking him to repeat himself and he disconnected our call.

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 2022-04-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was told by Quicken Loans that my flood insurance provided by FEMA was mandated by law to be escrowed into my mortgage payment by Federal law. I live in California and I spoke with a loan supervisor who confirmed this info. This is false I information. I had already paid my entire premium and they declined to refund 6 months of payment. I have been unable to secure the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions Inc.
State: NY
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:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

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 2017-08-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXXand XXXX XXXX XXXX XXXX onXX/XX/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 2021-08-04
Company: Everest Receivable Services Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called my roommates phone asking for myself saying they had legal documents and were trying to verify address. Friend handed me the phone and I would not verify ssn number, but did verify address. Later in the day I called on my number and XXXX knew who I was ( so it proves they had my number ) and I asked if they had my number why are they calling friends and family.

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 2021-11-18
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan as defined by 15 USC 1602, am disputing the alleged debt with TEXAS HIGHER EDUCATION COORDINATING BOARD and furthermore they have violated my rights as a consumer. I can not be liable to the debt in question as I used my credit card, as defined by 15 USC 1602, to obtain money to attend the XXXX XXXX XXXX XXXX XXXX. For the TEXAS HIGHER EDUCATION COORDINATING BOARD to state that I owe them any money is in violation of 15 USC 1692e ( 2 ) ( A ). In addition to their false and misleading representations they communicated with the ATTORNEY GENERAL OF TEXAS which is a violation of 15 USC 1692c ( b ) and 15 USC 1692e ( 3 ). In this communication it stated that I was delinquent in the repayment of said debt and threatened me with suit, which is a violation of 15 USC 1692e ( 1 ) and 15 USC 1692e ( 5 ). Said communication is also in violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ) as they illegally threatened me with suit and used abusive language. In the very same communication, they stated that an amount is due which is a violation of 15 USC 1692j ( a ). Furthermore, TEXAS HIGHER EDUCATION COORDINATING BOARD communicated with XXXX and had information furnished on my credit file without my written consent in violation of 15 USC 1681b ( 2 ). 
Pursuant to 15 USC 1692h, if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. I am directing TEXAS HIGHER EDUCATION COORDINATING BOARD apply the seven single payments, totaling {$1400.00}, to myself by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CarMax, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Carmax reported on XX/XX/21 on my credit report which I didn't authorize or apply for any car loan and it appears on my credit report ... .Their address XXXX XXXX XXXX XXXX GA XXXX Their phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation