BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-13
Company: PHH Mortgage Services Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX/XXXX/15 -- I sent a letter to my mortgage company, PHH, requesting autodraft out of a new account. I included a voided check. 
XXXX/XXXX/15 -- letter was received ( according to PHH offshored customer service ) XXXX/XXXX/15 ( approx ) -- called PHH XXXX customer service to confirm XXXX -- letter from PHH, received by me, confirming the changeXX/XX/XXXX -- autodraft made out of WRONG account ; my bank assesses me {$35.00} NSF feeXX/XX/2015 -- I immediately call PHH customer service to alert them ; request refund of the {$35.00} ; told to write a letter and fax to them, requesting refund. Also I request a letter of apology that I can take to my bank and have placed in my fileXX/XX/2015 -- faxed letter as XXXX -- received generic customer service letter providing contact info for United States based representative, and inviting contact for further resolutionXX/XX/2015 -- called and left message with US based customer service rep ; no responseXX/XX/2015 -- emailed same US based customer service repThus far, have not received the {$35.00} refund I requested, nor have received the apology letter requested for my file at my bank. 
On XXXX/XXXX/15, I requested the offshored customer service to have some one from the US-based corporate office call me ; has n't happened yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: WI
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 XXXX  XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX  account # XXXX have violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: ZIONS BANCORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Vectra Bank did not get the loan closing document completed in time for the scheduled closing and we were notified 3 days before closing. Have scheduled time off from work, moving truck arriving, purchased furniture arriving, housing lease ending - no place to live. Applied for the loan over a year ago while house being build. We provided all the paper work and documents on time. There appears to be no penalty if the mortgage company fails to complete their work for an agreed upon closing time, resulting in economic losses for the consumer.

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 2022-10-18
Company: The Leviton Law Firm, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX sent the wrong amount owed to a Debt collector and now the debt collector is harassing and threatening with emails to go to court on this matter. Due to the company being inactive, we consulted XXXX XXXX XXXX due to no assets within the company to sell. XXXX XXXX stated, my company owes him {$6000.00}, and then another email says {$4000.00}, none of which is accurate. XXXX XXXX threatened my company with sending me to a lawyer and send my company to court if the bill is not paid within 3 days. 

I requested paperwork for the actual amount that is owed. My company received documentation through email of the wrong amounts. I continue to request this be corrected and send the correct amount possibly owed on the bill. The documentation received from the XXXX XXXX XXXX website the amount was {$50.00} owed in place of {$6000.00}. 
XXXX and XXXX XXXX refuse to send proper paperwork but instead send false documentation over and over again. 

XXXX continues to harass my company with threatening emails and abuse of his power. I disputed this with the debt collector, and he continues to require the above amounts paid. I would like this debt collector to stop due to the correct amount owed was sent to XXXX XXXX XXXX. My company did not refuse to pay what is owed but the accurate amount is in dispute. XXXX will not provide me with the accurate paperwork either. The emails sent from his office say, I am confused about owing a debt and legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was current with my mortgage and applied for the Government HAMP program. 
5 years ago Bank of America destroyed my credit. " SUPPRESSED NOT REPORTING my mortgage to the credit bureau to help me '' BAC did not report my mortgage for 7 months to the credit bureau. ( to help me )? 
8 months later BAC reported to the credit bureau that I was180 days behind on my mortgage since XXXX 2009 and I was current in XXXX 2009.BAC reported my mortgage to the credit bureau that I dtd not made a payment in 18 months. " We Suppressed not reporting your mortgage to the credit bureau to help you '' BAC used that 18 months of Suppressing of my mortgage to destroy my credit, and used it to give me a bad loan.

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 2015-07-22
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXXEmail : XXXXPHH Mortgage Service loan number : XXXXRegarding : PHH Mortgage Servicer Loan Modification DenialOn XXXX XXXX, 2015, I was notified by PHH Mortgage Service Loss Mitigation that my loan modification was denied because of too much expenses, I have requested for an explanation. On XXXX XXXX, 2015, I received a Decision Notice ( denial ) letter of XXXX pages, ( exhibit A, B, C, D, E, F ) and XXXX pages of Income and Expenses Worksheet ( exhibit G, H, I ) via email and fax. On PHH Income and Expenses worksheet they stated that my expenses is {$6400.00}, which is completely inaccurate and deceivable figures. On XXXX XXXX, 2015, XXXX XXXX XXXX supervisor PHH Mortgage Loss Mitigation called me, I 've asked him why did you calculate this figures as part of my expense such as all the credit cards that I do not pay on and are delinquents and charged-off, and most of the other figures are outdated and inaccurate because it has been about XXXX months since I submitted my loan modification documents and even a monthly payment and the amount I owe on a mortgage on a house that I have not owned in over XXXX years? he basically stated that those figures are correct because they show up on my credit report and for me to contact those companies and have them remove it from the consumer reporting agencies. I asked my case manager from PHH Loss Mitigation why is the XXXX pages of Income and Expenses Worksheet has XXXX Investor XXXX, she said they are the one who owns my loan, I asked why is it in the Denial XXXX pages letter it states that XXXX Bank XXXX XXXX XXXX is the owner of my loan, she does not know. 
When I submitted my loan modification documents in XXXX 2015, XXXX XXXX XXXX XXXX XXXX was the owner, then XXXX XXXX foreclosing on my house and now XXXX XXXX denied my loan modification. Three different banks own my loan in less than XXXX days. I have presented this case to XXXX Housing Council of XXXX, Housing Counselor XXXX XXXX, she told me that PHH is wrong and she wrote a letter XXXX exhibit J ) stating that which I forwarded the letter to PHH. 

After consulting several agencies, I dispute the denial of my loan modification decision that was made by PHH Mortgage Servicer and whoever owns my loan. 
I demand a stop to the foreclosure of my house and I appeal to the owner of my loan to review this case. I also urge the Consumer Financial Protection Bureau to investigate this matter before the bank takes my house with their inaccurate figures

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number keeps calling me. When I look it up I get XXXX. This group has a lawsuit agaInst me in XXXX XXXX I live in. We have a hearing next month. But I keep getting their call. I get it once or more per week and I do not answer it. I 'm actually on ssi and they are n't supposed to be able to take my money. I do n't owe them the money I owe G.E Credit which was for amazon. I was turned over to them by amazon while I was actually making a payment to amazon. I should have never been turned over to these people because I missed XXXX payment.

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 2022-10-18
Company: First Technology Federal Credit Union
State: WA
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 First Tech account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-11
Company: EQUIFAX, INC.
State: TN
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:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE THAT ARE NOT MINE AND I HAVE NO KNOWLEDGE OF

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I 've been a member of the Merrill Lynch Wealth Management Group since XX/XX/XXXX. Recently, I transferred to the Merrill Edge Adivisory Group located in XXXX, Arizona. As result of this transfer, they ca n't locate the beneficiary paperwork on my IRA and nor my Statement on my Trust Account for XXXX XXXX. I spoke to the XXXX XXXX Financial Advisory Team on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX to receive this information. They said ca n't retrieve this information.

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 2022-10-18
Company: Americas Car-Mart, Inc.
State: AR
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:
Pursuant TO 15 USC 1692J COLONIAL AUTO IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
COLONIAL AUTO IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT CAR MART WAS THE COMAPANY I DID BUSINESS WITH. 
COLONIAL AUTO IS XXXX IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS AUTO LOAN AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND COLONIAL AUTO TURN AROUND AND FURNISH FALSE INFORMATION TO MY REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: AMERICAN HONDA FINANCE CORP
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XXXX XXXX I sent a certified letter to them advising them of a billing error regarding truth and lending, open and end credits, remittance coupons and federal Reserve notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately

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 2016-01-01
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX XXXX sold my XXXX XXXX XXXX auto loan. Systems & Services Technologies , Inc ( SST ) manages all aspects of this loan and XXXX has no knowledge of any activities related to this loan. When I first received the notice of the sale, I realized my minimum monthly payment amount was not accurate. I notified SST about this error and was told it will be investigated. Their investigation did not uncover any error. I tried several times to resolve this matter, but I had no success. When my loan was with XXXX it was auto drafted from my account BIMONTHLY for {$150.00}. Therefore, I was paying {$300.00} per month when my minimum payment was {$280.00}. SST has my minimum payment set at $ 150 MONTHLY. My maturation date was XXXX XXXX, XXXX and SST is still attempting to collect payments despite the fact that I never missed a payment and I already reached my 75-months term. Still no one will look into this matter at SST or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Problem getting your free annual credit report

Complaint:
I had reached out to Transunion to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at transunion advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with th e Fraud department, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usual 24-48 hr bit, knowing that i was just being thrown to the wolves. I am also having this issue with  XXXX  and  XXXX  where i can not get any of my free credit reports with some type of error stating that my information cou ld not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.

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 2016-06-07
Company: R.M. Galicia, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine and I have disputed this several times. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is an issue with a disputed transactions. The first one was for XXXX that was filed this year. I sent in all the necessary documents to prove that the merchandise is not in my possession and the merchant promised a refund and never did so. Chime refuses to credit the checking account despite documentation of evidence provided by me. Claim # XXXX, For my credit builder acct, there was an unauthorized charge on the account and chime automatically denied my claim without providing any proof that they had even contacted the merchant. The unauthorized amount charged was XXXX Claim # XXXX After this denied dispute I wanted to cancel all accounts with this online bank. The company refuses to cancel the account and according to my app, I owe a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage that's serviced by Mr. Cooper. It is XX/XX/XXXX, and I still have not received a copy of the Form 1098 that reports the mortgage interest I paid in XXXX, even though the company 's website states that those forms are ready to view. I believe that I should have received it by XXXX XXXX. I sent a written inquiry about this to the company on XX/XX/XXXX and have yet to receive a substantive reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Around XXXX XXXX, 2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXX involved me making deposits for a total amount of XXXX USD from my account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A Collection Agency named Progressive Management say I owe {$330.00} to them for a medical bill XX/XX/XXXX. Which would n't be possible since I was under my mothers healthcare and barely graduating high school. I did n't know anything about this debt till I tried to get a credit card around XXXX. I got no letter or email saying I owed anything. It just stopped me from getting a credit card since this was on my record. I checked XXXX and XXXX to see if they can find it, I even called XXXX to see if they can find this debt I owed. But they said I had a clean record and I owed nothing. So I tried for a credit card in XXXX with my mother to see if I can do a joint account for a credit card and they told me the same thing. this debt collecting agency was on my record. So after that I research them and found out they scam people in debt that is not real. I found out they went for people who had someone deceased in their life. If it was their child, spouse, or even ex spouse. They have been around since XX/XX/XXXX. Now XX/XX/XXXX I finally have a credit card but still have this in my record and I just want it finally removed after finally getting this letter of last month showing that this company actually is on my record on this piece of paper.

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