BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-30
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This incident started XXXX XXXX with XXXX XXXX XXXX, I was for a loan modification that my daughter had applied for to reduce her interest rate, my husband is a cosigner on the account so it has directly impacted him. During the time of the loan modification XXXX XXXX XXXX sold the loan to Selene Finance, which in turn took until XXXX of XXXX to complete. In the mean time she was making all payments as requested by XXXX XXXX XXXX, completed the trial period of restructured payments assigned by XXXX XXXX XXXX to redo the loan with a lower interest rate on XXXX of XXXX. Since then she has been getting late notices and has been put in the credit bureau for non payment due to the change of payments made by XXXX XXXX XXXX and XXXX XXXX, the amount of payment were changed by the bank from {$930.00} to XXXX, but during the course of the transition between banks and them modifying the loan it took a year and them holding the payment in an unapplied funds account causing credit damage to them and my husband. We are still fighting with them and the credit bureau to fix this matter, my husbands score went from excellent XXXX to fair XXXX, he closed a business down with perfect credit and now due to the lack of concern on the banks concern has had his credit ruined due to someone not being able to do there job. We do hope you can help rectify this matter. 
We will be glad to send you all documentation to support this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax refuses to remove unverifiable negative information on my credit report. They continue to show a charge off of an XXXX, unsolicited account, # XXXX, claiming I was a personal gaurantor on this account. I have repeatedly requested both Equifax, and XXXX, to show me ANY documentation with my signature as gaurantor, in any capacity on this account, and they have not been able to do so. Both XXXX and XXXX have investigated this issue, and have removed it completely from my credit history. I am respectfully requesting that you look into this matter with Equifax, and if as they claim, have signed documents that I was personal gaurantor on this unsolicited corporate account, to please mail me said documents so that I may see it for myself. Other than that, I feel you should require that Equifax remove this item completely from my credit history, just as XXXX and XXXX have. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX : XXXXXXXXXXXX : XXXX, Acct . # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: FCI Lender Services Inc.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
House is scheduled for foreclosure XXXX XXXX, 2016, the foreclosing lender is not in the chain of title for this alleged loan and in fact it appears that the alleged loan and mortgage or invalid. Attempts have been made to resolve the problems with this current " stranger Lender '' but they simply refuse to cooperate. They have never attempted to resolve the debt, make attempts to restructure or otherwise work with the homeowner. Additionally this is an 80/20 loan and the homeowner never received the 90 day letter or any other statutorily required opportunities to resolve this alleged 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 2016-03-15
Company: Selene Finance LP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been ordering a payoff statement from Selene Financial since XXXX XXXX and still have not received it. I need the statement to complete my refinancing. Today ( XXXX XXXX ), Selene told me it would be another week ( 5-7 business days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Vellum Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home around XXXX XX/XX/XXXX for {$390000.00} with Vellum Mortgage in XXXX, VA. There is no prepayment penalty and Vellum 's own statements explicitly state that any additional funds will be applied to principal while also giving me the option to be more specific as to where the funds should be applied. Vellum refused to apply additional funds to my principal balance and told me their policy was to hold it all in an escrow account for future transfer to whichever company may acquire my loan. I made 2 payments, with an additional {$510.00} in each payment. I contacted the company to rectify this after it was obvious what happened the first time. I then received a corrected statement showing my payment was applied to principal. After the second payment I requested an update and it was then I see that the document they sent me was falsified and they did not apply my additional funds, now totaling {$1000.00} to my principal which resulted in me paying additional interest that I would not have otherwise. My loan has been sold effective XX/XX/XXXX and my additional payments, if applied on XX/XX/XXXX still result in me paying additional interest and my loan amortizing slower than if my payments had been applied correctly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 have disputed these accounts several times with Capital one, the credit bureaus, and with the XXXX, but to no avail. They are reporting false information on my credit report, and it needs to be deleted as soon as possible. Capital One is reporting 3 different dates of last activity, late payments after charge off, late payments after close date - remove immediately. Capital One is in violation by continuing to report these unverified and inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Seterus, Inc.
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, I was granted a modification From Seterus Inc . I signed XXXX copies of the modification and returned it to the servicer in XX/XX/XXXX. According to the modification after making 3 consecutive payments it was supposed to become permanent, XXXX XXXX, after it became permanent in was supposed to be signed by the servicer and presented to The XXXX XXXX XXXX Arkansas Bankruptcy Court for approval. When I contacted Seterus about a copy of the modification this I was sent a unsigned copy, when I requested a singed copy I was told they had not completed it as of XX/XX/XXXX. After rigorous attempts to get a signed copy I received a sign copy in XXXX XXXX. I contacted Seterus at that time to request that the signed copy be summited to The XXXX District of Arkansas Bankruptcy Court for approval, I was told they summited a n unsigned copy XX/XX/XXXX and it was denied, I explained that the court had stated that it would not approve an incomplete document was the reason for the denial and requested that Seterus summit the modification with both parties signatures to the court stated above, I was told that they had no intentions of summiting the documents for approval believe this is in violation of the servicer rules

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: DISCOVER BANK
State: NM
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XX/XX/XXXX Discover Card called my number several times claiming to alert me to identity theft. I also received a letter dated XX/XX/2016 stating that Federal Law requires them to verify and record all information that identifies each person who applies for credit. I did not apply for credit from Discover Card. Their letter required me to call their Fraud Department and suggested I notify the XXXX credit agencies. 

I called and asked for a copy of the application and I was told I had to " prove '' who I was by sending certain documents, including a police report of identity theft. All these I did. I also sent a letter dated XX/XX/2016. Still I did not receive the copy. I began calling asking for the report. I was told that it was " in archives ''. I asked why it would be in archives if we were currently working on it. I was told it would only take anywhere from 24 hours to two weeks to bring the document out of archives and send it to me. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and talked to various individuals, all of whom told me the document was in archives and they would bring it out and send me a copy. 

On XX/XX/2016 I spoke with a supervisor, XXXX XXXX who once again told me the application was " in archives ''. I asked how that could be since I had been calling for two months. He said he would take care of it. But no. I called on XX/XX/XXXX, and was told one day. I call on XX/XX/XXXX, XX/XX/XXXX and talked to XXXX in Utah, XX/XX/XXXX talked to XXXX and finally was transferred to the " security department '' where I talked to XXXX, and was told that they " never received the documents. '' This makes me very concerned. Discover Card initiated the call and the letter and the fraud alert. Yet, its representatives have consistently given me the proverbial " run around. '' I believe that someone within the organization is perpetrating this scam, but I doubt that I will ever get to the bottom of this. 
I do not believe that in the entire nation I am the only person who has encountered this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been an 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong 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 2022-03-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
My friend asked me to cash a check for him because he did not have a bank account and he owes me money. He signed it but I did not endorse it correctly or something. Since then they have frozen my funds and closed my bank account. I have been on the phone with them for over 24 hours total. I have brought in my friend with his identification and they told me a check was already sent to my address. Now they are telling me I have to bring him back in and no check was issued. I am about to lose my car and possibly be homeless because of this. He lives far out of town and it was very difficult to get him in the first time. I have been given conflicting information from the bank and on the telephone multiple times. Like if I come in to the branch they could issue the check to me, I go to the branch and they tell me it has to be mailed to me. Now I am told I need to get him in to the branch again to have it issued because it never was in the first place even though I was told by the banker it was issued and mailed to me on the XXXX of XXXX. This has affected me negatively in so many ways I am sick to my stomach from it. I am seriously about to lose my car and living arrangement. I don't know what to do. They are asking me to do the same stuff I have already done to get this handled. My accounts have been closed against my will and my funds are in limbo it seems. The check was for {$5000.00}. Please help. It was at chase bank at XXXX XXXX  XXXX in XXXX, Washington XXXX. I have done everything they asked and now they are asking me to do it again and again. My name is XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Amsher Collection Services, Inc.
State: IL
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:
I was contacted by Amsher Collection Agency via phone. I verbally requested the details of the debt mailed to me. The caller requested my credit card information after refusing to give me any details, stating only that this was for a previous debt and that I had already received written communication. I stated that I had not received any form of written communication showing I owed a debt, but that I would definitely pay if I truly owed anything. I again requested the details of the debt mailed to me, only to have the caller insult me and demand my credit card information. I once again requested the details of the debt mailed to me, requested that my phone number be put on their " do not call '' list, and disconnected. 
I have been receiving XXXX to XXXX calls a day, Monday through Friday, from Amsher Collection Agency. I have sent XXXX certified letters requesting the details of the debt as well as placing my phone number on their " do not call '' list. The harassment from Amsher Collection Agency has not ceased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Filaport Acquisitions
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Yorkshire Acquisitions Group has been leaving threatening voicemails, making false claims, and calling me, my family, and my employer at an excessive rate. Side note, they have XXXX separate addresses ; XXXX was given to me in a settlement letter and the XXXX was given to obtain my credit report. The XXXX address is a XXXX. The XXXX appears to be an empty office space. The original debtor does not have record of the debt and neither do I. This place claimed to have sent summons to my employer, but encouraged me to not obtain it and just directly settle with them. They were willing to settle for an amount they verified as an amount I had on a recently opened credit card, but demanded it in 24 hours. They spoke to my husband and said they 'd see us in court before hanging up on him. They implied I 'd lose my home and stated my address, but continually said they were taking documents to my employer. Today they 've called me 4 times today already, called my employer twice, my husband once, and my parents once. They requested information from my credit report as well. I 'm terrified these people wo n't stop harassing me or attempting to steal my identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: DISCOVER BANK
State: KS
Product: Credit card
Issue: APR or interest rate

Complaint:
Discover refuses to apply my payments above the minimum payment to the balance with the higher interest rate first. I have asked over the phone and through the online message center. The response I keep getting is " the company can apply it the way they want. '' Their agreement says : We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. According to the Fair Credit Billing Act of XX/XX/XXXX, they must apply the additional to the higher APR. I do not understand how they can get away with this. Especially if I requested it. The split occurred with the balances XX/XX/XXXX. The balance with the higher rate was at {$1200.00}. I can not add to that balance ; all new charges go with the other APR. The balance on that portion is now {$1400.00}. I was late one time in XX/XX/XXXX which was forgiven. After that, I was never late, there were only 2 times that I paid the minimum, and I tried to pay above the minimum ( even if it was only a few dollars ). There were a few times when the balanced decreased, then it would go back up. That is one of the reasons I did n't notice until I pulled out all of the bills. I did n't notice the issue because, the total balance on the card was decreasing and I assumed they did as the law required. I only recently started writing down everything, only to notice the balance on the higher rate has actually increased since XX/XX/XXXX. Do I have any recourse? Also, it is very hard to tell how any of the credit card companies apply the payments on multiple balances on the same card. I think all credit card companies should be required to provide a breakdown of how they applied your payment on your billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions 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:
On XX/XX/2022 I discovered hard inquiries on my XXXX, Experian, and XXXX credit reports. The following institutions had requested my credit information from the following credit bureaus : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  Experian : XXXX XXXX  ( twice ), XXXX XXXX XXXX XXXX I do not recognize these institutions, nor have I applied for any product with them, especially XXXX that would require my credit information. 

I called XXXX XXXX XXXX XXXX. They claimed they had no record of my information or a request for a financial product in their system. I asked them to then correct the hard inquiry. I was told they can not fix the hard inquiry because there is no record of an application containing my social security number. 

I called XXXX XXXX XXXX, but the number listed with the hard inquiry on my credit report was not a valid number. 

I called XXXX XXXX, but they, ike XXXX XXXX XXXX XXXX, claimed they had no record of my information or a request for a financial product with my social security number attached to it, in their system. 

Experian does not provide an option to file an online dispute against hard inquiries. I called Experian 's phone line but could not get a live a representative. I called their corporate office for help, but was repeatedly transferred to the same line that did not provide a live person to talk to. After numerous calls to get help, I reached a man named XXXX who said that Experian had no responsibility to remove the hard inquiry or do an investigation around it, and suggested I go directly to the creditor, by mail, and have it removed. However, he could not give me any instructions on how or where to contact the creditors to get the hard inquiries removed. 

XXXX does not provide an option to file an online dispute against hard inquiries. I completed an online chat with XXXX, and the representatitive insisted that I have to go to the creditor whom placed the hard inquiry to get it removed. I explained what had transpired when I contacted the institutions to have them remove the inquiry, but XXXX insisted that it was not XXXX 's responsibility to remove it or even verify that the request for my credit information was a valid request. 

I was able to file an online dispute with XXXX regarding XXXX XXXX XXXX. I have yet to hear back from them.

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