BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-03
Company: LEADER ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I purchased a home in XXXX and moved out of it in XXXX. It has been a rental since XXXX. I have applied with 5 lenders for a refinance since XXXX. All mortgage lenders have confirmed value of house is {$200000.00} and payoff balance is {$78000.00}. I have been denied a loan five times because I do not have 6 months worth of monthly house payments in a seasoned bank account. I have been told there are " government guidelines which require the 6 months reserves ''. I was denied a modification by my current lender because they are a servicing company and because my payments are current, house is worth {$200000.00}, and has rental value of {$1400.00} and I receive $ XXXX monthly income from tenants who have lived in the house since XXXX. There was a " balloon '' payment due XXXX/XXXX/XXXX. 
My mortgage company has notified they will forebear any foreclosure as long as I continue making the house payments. 
Can you provide me the name, address and telephone number of the government agency who can verify if this guideline only applies to a new purchase and not to a home i purchased 39 years ago. Please provide me with all pertinent information as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Rocky Mountain Recovery Group
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On Wednesday, XXXX/XXXX/16 I received a call at my home on my voice recorder from a Agent XXXX XXXX with XXXX regarding criminal and civil charges being brought against me and did not say what this was regarding. A call back number was left XXXX and case # XXXX. I thought it was bogus since a bill collector should not be acting like a government representative with the titles he was using. I get a lot of junk mail and calls regarding this sort of thing and thought it was bogus regardless. You really have to have your antenna on to full power now a days. At around XXXX I received a text from my Mom that this Agent XXXX XXXX had called my Dad 's office and spoke to my Dad 's receptionist at his office and left a call back XXXX case # XXXX. I want to know where I listed my Dad or my Dad 's business on any loan document? This is totally illegal what XXXX XXXX XXXX is doing and just using plain scare, intimidation and bullying tactics to collect on some debt. This rogue collector needs to be reeducated. I called back the XXXX number and spoke to XXXX XXXX who answered the phone as XXXX XXXX and there recorder stated they were XXXX, XXXX XXXX. I believe this company has lost there moral compass and is due for a reeducation on Fair Collection Law.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I used my lender 's online site this month to pay our monthly mortgage payment. I noticed that our payment had increased by {$120.00}. The increase was in our escrow. I had to call three times and still I do not have an answer that I understand or feel confident in. The first individual that tried to help me did nothing but babble and I soon discovered that she had no idea what she was telling me. I asked to speak with somebody else and she said, " I will be more than happy to help you with that '' and hung up. I had to call back, and maneuver through the labyrinth that is their automated system, and spoke with another individual who told me this was a mistake with the website and it would be corrected. I checked again later and the payment amount had not changed. I called back and was told that this was not a mistake, but the payment was increased because a check was sent to me in the prior month to cover that increase. I also found out I was sent two escrow refunds to us but I did not get it because the lender did not include my unit number on any correspondence ( which is ludicrous because THEY hold the mortgage to this unit ). The third individual said the increase was an accounting issue, updated my account, and assured me that our money would be resent to us. However, I still do not trust this and I really have little confidence in this lender. We have received no correspondence, phone calls, or emails from this lender regarding any issues with returned mail. In fact, they did not receive our renewed condo master insurance policy, and instead of contacting me by mail, email, or phone, they simply took a huge sum of money out of our escrow and sent me an email AFTER the fact. I was able to correct that issue, and the money was returned to our escrow. But these issues really make me question the competency of this lender and whether our account is really in good hands.

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 2017-01-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On Friday, XX/XX/2017 I requested a copy of my Cardholder Agreement from Comenity Bank, which issued my XXXX XXXX Visa Card. On Sunday, XX/XX/2017 I received a response which read in total : " Thank you for your recent inquiry to our Customer Care Department. 
Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. 

I will be more than happy to issue out a credit card agreement to you. 
Please allow up to ten business days to receive it. 
We appreciate your business and your loyalty. 
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 
Sincerely, XXXX XXXX Internet Customer Care Team '' I have not yet received the agreement, and it is not posted on the card 's website as I thought was required, nor is the agreement in your database. Please help me obtain this important information! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reference : XXXX XXXX XXXX Policy # XXXX Last Renewal Date : XXXX/XXXX/XXXX until XXXX/XXXX/XXXX I acquired this institution during XXXX XXXX, for automobile insurance. I never had any issues regarding renewal until calendar year XXXX. XXXX XXXX XXXX canceled my automobile policy for a XXXX XXXX XXXX and XXXX XXXX XXXX. After cancelling the policy I was denied renewal. I contact the company on several occasions. After unsatisfactory consumer service I acquired XXXX XXXX XXXX with the assigned policy number XXXX for a six month policy. XXXX XXXX and XXXX XXXX XXXX location XXXX XXXX XXXX, XXXX, IL and XXXX. XXXX cancelled my policy after one month because XXXX provided false and misleading information. In additional XXXX XXXX XXXX XXXX XXXX XXXX location XXXX XXXX XXXX, XXXX, MA and XXXX, which stated I owed them approximately {$200.00}. Also, this debt was sent to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA. XXXX ; contact number XXXX XXXX XXXX XXXX contacted me by mail on XXXX/XXXX/XXXX to settle this past due account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: E MORTGAGE MANAGEMENT, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
the original loan offer was not what was on the closing statement. I was pressured to sign at the last hours before my previous mortgage payment was due. The facts of the new mortgage were never disclosed to me. EMORTGAGE added a point to the closing costs and manipulated the escrow to make it seem like the payments would be lower.

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 2016-06-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
i was asked questions to verify that it was me and none of the questions were even clos ei believe im a victim of identity theft, it wont let me view my credit report

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 2016-01-06
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Today I was informed by CitiMortgage which is my mortgage co. that once again I have been denied a loan modification. My acct # is XXXX. I reside at XXXX XXXX XXXX in XXXX, NJ XXXX. My initial application was in XXXX, the mortgage co. at that time lead me on for more than a year and a half with the hopes of an approval, there were numerous correspondences only for the big let down, now here come the foreclosure letters. threats from their lawyers, in and out of court to stop lockouts. CitiMortgage told me in order to get in good standards with them that I would have to give them at that time excessive amount of {$31000.00} plus. I reached out to a grp. called XXXX, who has been nothing but professional in every way. XXXX submitted a file with the mortgage co. on XXXX XXXX, XXXX and in that time alone CitiMortgage has tried to put the foreclosure in effect at least once each month. CitiMortgage says that I have been denied again due to no change in my income, which is not true in XXXX I became a Commissioner with the City of XXXX which comes with a stipend paid in quarters, although I have not received a raise in 9 yrs. I do not believe that the CitiMortgage is doing an actual review there are so many inconsistencies ... .I am in need of some help ... .this is a family home ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: John C. Heath, Attorney at Law, PLLC
State: NE
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 went into my bank to cash a check was notified that my checking account was negative. I asked for statements and a place called XXXX XXXX XXXX had debited my checking account twice without my knowledge. 
The debit card that they got information to somehow was wupposed to be closed a week or two prior by my bank. I found out this day that in fact the bank did not close my card and the company debited it and put my account in the negative. 
I have attempted to call the XXXXXXXX XXXX XXXX for refunds and they state their computers are always down. I even sent emails requesting them not to use my information as i am not sure how they got it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02
Company: Cogent Road, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was Contacted by mail from XXXX about a ReFi, I spoke with a man there about rates and he asked to see my tax returns. I Asked him Twice not to run my credit but he did regardless because my social security number was on my return. He was extremely arrogant about running my credit telling me he had to to see what rate he could get. I asked him not to. I want to File A Complaint with this shady Business. FUNDINGSTE XX/XX/2016 FUNDING SUITE XX/XX/2016 FDNG STE XX/XX/2016

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On XX/XX/XXXX I had previously disputed via CFBP portal that XXXX XXXX XXXX added a collection to my credit reports a collection that had been previously discharged in a chapter XXXX bankruptcy. They removed the trade line in XX/XX/XXXX. On XX/XX/XXXX I received a collection mailer from XXXX XXXX XXXX to settle to amount that again was previously discharged in my chapter XXXX bankruptcy. I also saw on my credit report that have viewed my credit reports without my consent nor my knowledge. I need for the to stop harrassing me and to stay off my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Cohen & Associates
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I was contacted by this " attorney '', to help me settle a debt. I was told that if I did not make settlement arrangements that I would be served with court papers at my place of employment. Because he sounded legitimate, I made arrangements to make payments on the debt by giving him my debit card number. Upon speaking with my spouse, I found that I have never had an account with this alleged attorney 's client. I can not find this man listed on any states Attorney 's Bar list, however, the emails that they have sent clearly look like they are from an attorney 's office, and the gentleman did tell me he was an attorney.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-19
Company: STATE BANK OF INDIA - NEW YORK BRANCH
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been using XXXXXXXX XXXX XXXX  XXXX as a regular customer for several years. Recently, a couple months back they transition to a new banking website, which has resulted in several issues as below 1. The bank has tried to implement a 2-factor auth, but that utilizes a communication engine that sends duplicate alerts, mistimed/lagging messages, and complicates completion of transactions. In fact, late messages through text messages can confuse the user and cause them to re-login to validate transactions.

2. Internal secure messages are build one-way, and don't allow a complete two-way exchange to be processed as a single thread. One needs to spawn a new message and add the context each time. 

3. On XX/XX/XXXX, XXXX XXXXXXXX XXXX had a OTP system debacle causing many transaction to fail. One of mine was erroneously copied over 3 times. Imagine the plight of user who see a triple digit remittance request copied over thrice, with no means to cancel it. The bank doesn't have an online chat option, off hours call desk, and even during business hours, either the answering person reverts at their convenience ( only during XXXX CT ). These conditions may fluctuate or get better sometimes, but it tends to make the bank uniquely unreliable ( unlike any other US banking entity I have worked with ).

4. The bank sends monthly statement in paper to registered address, but there is no way to select electronic only statements, or even turn off paper ( if someone was to be away from home for few days/week ) causing the controls to be counterproductive ( unfavorable for privacy of individuals receiving large volume of paper statements ).

5. Generally employees are cooperative, but there is a lack of desire to change or modernize processes in line with other progressive banks. 

Instead of suggesting customers different workaround ( e.g. fax a request for remittance when online system crashes, or wait for IT to fix their systems ), Bank should adhere to the competitive benchmarks, regulatory controls, and digital standards. 

These are some of the examples of a poorly designed digital system, with broken processes, and lax customer service, worth noting as governance and financial/security controls gaps, that deserve systemic fix. It takes multiple follow-ups and reminders, which the bank has been apparently slow in responding. 

Efficient markets may work to drift customers and their business elsewhere, but for those that want to give another chance, would the bank please take notice?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I reached out to the credit bureaus to remove the following inaccurate names listed below. No action has taken place. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-04-02
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
navient has inflated the student loans taken, they have XXXX different accounts under XXXX names the primary borrower and the co signer with duplicate loans under each, they refuse to fix the issue, stating there is only the XXXX set of loans. in the past when payment was a struggle they suggested forebearance instead of other options, they have a high monthly payment plan that is beyond borrower ability and constantly harassing not only the borrower but all surrounding family members and employers with a barrage of phone calls and emails. school attended was XXXX in XXXX az

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: VW Credit
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I had an auto loan with VW Credit for our XXXX XXXX mini-van. At the conclusion of that loan I deliberately refused payment on the final XXXX of XXXX payments ( {$840.00} ) of my auto loan because VW would not repair an ignition recall as they could not provide an adequate engineered part. I paid for this repair out of my pocket and sought civil suit against VW for repayment which we settled in XXXX of XXXX. 

While I was attempting to get our ignition repaired I refused to pay the XXXX ( {$840.00} ) of XXXX payments to VW Credit until I was reimbursed for the recall which I paid out-of-pocket. Since I refused to pay, VW Credit sent harassing letters and phone calls insisting I repay the final debt. I was very clear of my reason not to pay the debt was because VW refused to reimburse my out-of-pocket expense for the failed recalled part. VW Credit began calling several of my neighbors on our street advising who they were and that they were attempting to contact me regarding an unpaid debt. VW Credit calls to my neighbors is a practice known in the collection trade as block parties and is intended to create public shame on the consumer, but in reality is legally slanderous and is deemed an unfair practice in violation of the FTC 's Fair Debt Collection Practices Act ( 804 Acquisition of location information ; 805 Communication in connection with debt collection ). I contacted my Missouri XXXX regarding this violation of the FTC Fair Deb Collection Practices Act to which VW Credit responded AND ADMITTED to this illegal block party practice in an XXXX XXXX, XXXX memo. I have a copy of VW Credit 's ( XXXX XXXX 's ) XXXX/XXXX/XXXX response to our Missouri XXXX. VW Credit said in the memo, " VW Credit stopped these practices in XXXX XXXX, we updated our procedures so that we no longer contact neighbors in an attempt to locate a customer ''. Unfortunately our Missouri Attorney General continues to investigate my complaint and has taken an unnecessary amount of time since VW Credit in their XXXX XXXX, XXXX memo clearly admitted to the illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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've called the 3 credit bureaus several times a week about this problem but the problem still persists. A company named " XXXX  '' reported that I missed 30 payments when in actuality I never missed one payment. XXXX reported that I missed 30 payments due to a bug, glitch, error or a rogue employee ruining customers life for the XXXX of it. I disputed the 30 missed payments and ask the 3 credit bureaus to ask the company to provide physical documentation/proof that I missed the 30 payments and that never happened. The disputes automatically get rejected and I get no where. This has to be illegal. I have another collection from XXXX, even though I asked them to verify my account with physical proof the 3 credit bureaus keep sending emails asking companies to verify debts with the press of a keyboard and no physical proof. Every time I call the 3 credit bureaus I'm connected with a foreign rep and we can barely understand each other so I'm forced to ask to be connected to a rep in the US so every time I call I'm on hold for over an hour before I can attempt to dispute the errors. The 3 credit bureaus help fraudulent companies destroy Americans lives for a profit. All 3 credit bureaus should be investigated for enabling criminal activity. It's not fair to hardworking Americans!

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 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been the victim of Identity fraud where my credit has been pulled multiple times. I have had multiple inquires that were not from me or initiated by me on my Transunion credit report. I have attempted to speak with supervisors about the issue and have written multiple letters in regards to this matter with no avail. I have gone as far as contacting the companies that are in question and they refer me back to the credit bureau. The inquires that are to be removed are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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