BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-28
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage processing company 's name is XXXX XXXX. XXXX  XXXX not credit a mortgage payment to my account. I contacted them in writing via their preferred method of contact, email to their research department, with evidence of payment for my XXXX bill. I emailed proof of payment in the form of an endorsed check - endorsed by XXXX. The payment never processed the account even though the check was cashed. They credited the next month 's check earmarked for XXXX payment as my XXXX payment and continued this moving up to this date with my future payments ... 

I emailed this information on XX/XX/XXXX and XX/XX/XXXX. 

My check in the amount of payment due, {$1900.00} was processed by my bank, XXXX XXXX XXXX, and sent to XXXX XXXX on XX/XX/2020. The check was cashed on .... 

I continued to followup with the lender weekly via email and phone calls. They did not address the issue and have sent multiple notices of " default and cure letter '' without reviewing my proof of payment which created the issue. They have not said they tried to located funds I sent and credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a debt with Equifax-stating the collection company, XXXX XXXX XXXX had no legal basis for debt. They purchased the debt from The XXXX apts in XXXX Florida.The Apt accused me of damages that I disputed.They without having any legal proof of the damages, simply sold the debt to the collection agency..It appears that the apt complex does not have to prove the debt it merely sells it.the only proof of debt the collection company needs is to simply prove it bought it. I do not owe this debt, but must hirer a lawyer at great expense to remove it from my credit report. 
Second part, Equifax reports a judgement against me that was overturned.I sent them copies of the Court orders, yet they claim it is a judgement against me and I will have to change t myself.The point is Equifax does not follow though on the details of their reporting to determine whether their members have legitimate legal claims.The only recourse a person has is go through the expense of hiring an attorney, I have many documents to prove this and will send them at your request-I am XXXX years old -do not know how to attach copies-and wanted to get this started =please advise and I will have my daughter send them later

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit Bureaus are reporting an inaccurate charge-off account from XXXX. The account has been paid off this account has been settled and needs to be removed from my account expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for a online loan a few years ago, and ever since then, I have been the victim of identity theft. I have had other pay day loans and checking accounts opened up in my name. Recently, I relocated to XXXX from XXXX and I wanted to see about the possibility of transferring my car loan to my local credit union. I was told that I had a bank fraud case on my account. I contacted XXXX to find out about this information, and was told that the account was not under my name and I would have to dispute this issue with the credit reporting agencies. I would appreciate any help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
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: Account information incorrect

Complaint:
went to XXXX XXXX. The salesperson would not take a no. XX/XX/2020. XXXX XXXX XXXX XXXX. That I did not want a XXXX XXXX CARD. TOLD THEM I DO NOT WANT A HARD INQUIRY ON MY CREDIT REPORT. THEY INSISTED AT IT WOULD ONLY BE A SOFT PULL. THEY SAID XXXX XXXX HAD TOLD THEM TO TELL CUSTOMERS THAT IT IS A SOFT PULL. HAD BEEN IN XXXX XXXX TOO LONG IT IS GETTING DARK OUTSIDE I TOOK THEIR WORD. NOW I SEE I HAVE A HARD INQUIRY. I ASK THAT IS REMOVED.

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 2015-12-13
Company: Seterus, Inc.
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus Inc. is continuing their harassment. I have already filed a complaint case # XXXX which was resolved but in their response to you they were completely misleading and just plain lied. What they did while they had the money they wrongfully had taken out is do a financial report and said there was not enough money in escrow and charged me more money to make up the gap. I demanded a new report be done now that you guys made them give the money back and have heard nothing since. Now they have changed the name XXXX the policy and say they can not talk to me because I do not have authorization for this account. I am and have always been the executor trustee for this account. I have all documents and so do they. If you need to see them please let me know where to send them. I have stated I do not want to do business with this company but have been forced to do so. This is wrong. I ask again how do I stop this? I am losing a lot of time and money dealing with this awful company. They must put me back as the authorized person to talk to and explain with documented proof of what they say made them change it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My student loan is in foreberaance and all the Covid problems. Why is this hurting my credit score so bad. I have credit cards I have payed on time for a year with my accounts. Please advise what to do next. My credit score just keeps dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Please review summary of facts letter Exhibit A and also please review American Express online chat messages from XX/XX/XXXX through XXXX XXXX today. After reviewing American Express billing rights statements Exhibit B closing date XX/XX/XXXX it is obvious clear that American Express customer care services and the online chat messages are in violation of that same your billing right statements. Stating while we investigate whether or not there has been an error, we can not collect the amount in question which in this case is the total balance of {$24000.00}. They aggressively tried and continuously to ask for the minimum payment to be paid which is {$2800.00} this is also included in the dispute question and is being investigated. They even try to offer me a payment plan on the disputed balance, as you can review in the online chat. Not once did American Express ask me my concerns about the disputed balance only talk about how Im going to pay or make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I XXXX XXXX XXXX am a victim of identity theft, I submitted a dispute to Equifax under the aforemention case number. My dispute was supported by all documents required for reference according to Equifax and US FCRA sec.605.b, I am asking that this private corporation block or cease reporting disputed items in a timely manner according to the reference congressional act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Avant Credit Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The Avant credit card is in my son 's name, XXXX XXXX. My name is XXXX XXXX. My son has been in XXXX since midXXXX. I have a notarized POA issued by a Notary assigned by the XXXX XXXX XXXX in New Jersey. 

Avant service rep would not allow me to pay off any of is credit card statement over the phone and said I need to mail them a POA. I received the POA in early XXXX and e-mailed them a copy on XX/XX/XXXX. I received a email back on XX/XX/XXXX to with a phone number to call. I call this number and the service rep said that my POA was in there legal department for review. They would not let me pay on the open balance. I sent them a E-mail on XXXX that I thought a fraud may have occurred. I sent another email on XX/XX/XXXX and indicating that a fraud had occurred on the card back on XX/XX/XXXX and the XXXX. 
On XX/XX/XXXX I called again about the POA, the reported fraud and me being able to pay for his outstanding balance. Again the service rep said my POA was not approved and they could not help. Fees and Interest continue to be added to the open balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The reporting agency is asking me if I have a home loan mortgage and I do n't ... but its possible that someone stole my identity and has a mortgage. I need to see the report!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, the flood insurance is covered by the HOA fees I pay monthly. In XXXX 2014, Seterus Mortgage Company bought my mortgage from XXXX. Seterus purchased additional flood insurance for my property even though the property is covered under my HOA dues. Despite numerous of complaints in the form of calls and letters to their customer service, Seterus continues to charge me for this extra and unnecessary flood insurance, taking part of my mortgage payment, applying it to the escrow, and claiming I am short on my mortgage payment, thus negatively affecting my credit and payment history. I have provided Seterus with ample documentation to prove the policy from HOA fully covers the liability required for the property. Thank you in advance for your support. Please reach out if you have any follow up questions. Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 the main creditor was XXXX XXXX XXXX XXXX XXXX, La. for services that day. I had currently had XXXX at that time which before leaving I provided that information to bill them. XXXX and XXXX have my current mailing address and I never received any bill from them. I decided to check credit report and I noticed that I had 2 negative accounts with LAW OFFICES MBA ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PH : XXXX. I made several attempts to reach out to them regarding matter. They will not answer/respond back when i left my info. I disputed with experian which I am assuming they were able to get in touch with them. They deleted one account but not the other. They stated I still owed them which is inaccurate information. 
Listed below is the info for the debt : date of service : XX/XX/2020 amount : {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22
Company: Paypal Holdings, Inc
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PayPal Inc. improperly placed holds on my PayPal Account. The company improperly handled disputed transactions and placed holds, reserves or limitations on my accounts without notice. PayPal failed to inform me about the type of activity that triggered the account freeze. Further, the company failed to provide me with an opportunity to remedy the situation and avoid holds being placed on my account in the future. Moreover, after sending the company the verification requested, PayPal continue to place frivolous holds on the account. 
1. On XX/XX/XXXX the company placed a hold on the account allegedly due to seller risk. ( See : Ref. ID # XXXX ) All the required banking and personal identifiable information was sent to the company. 
2. On XX/XX/XXXX the company placed a hold on the account and requested me to verify my identity and company information. ( See : Ref. ID # XXXX ) All the required banking, business and personal identifiable information was sent to the company. 
3. On XX/XX/XXXX the company requested verification once again. ( See : Ref ID # XXXX ) All the required banking, business and personal identifiable information was sent to the company. 
On XX/XX/XXXX the company placed a hold on the account and funds for 60 days requiring me once again to verify my identity and business information.. ( See : Ref ID # XXXX ) After the continued account harassment and unprofessional encounters via telephone with employees of the company, I requested PayPal to close the account and the company refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-03-23
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife was laid of in XXXX of XXXX and we applied for a loan modification through our mortgage company, Ditech, in XXXX. All documentation was received and cleared by them in XXXX of XXXX. We were instructed by Ditech that it would take approx. 60 days to review the information and get back to us with the decision. It is now XX/XX/XXXX and I have called Ditech many times with no resolve. Each time I have called a representative states that it is still being reviewed by underwriters and to call back next week. This is until last week on Friday XXXX. I have called 3 times and it does not connect me with or give me any option to talk to a live person but directs me to a voicemail. I have left XXXX message and have not been called back with an update of the status. At this point, due to financial constraints we are substantially behind in our mortgage and need help with no support or resolution in site. Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: EQUIFAX, INC.
State: NY
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 have requested my XX/XX/XXXX report a few times and have not received a copy. I tried to view my credit report online however I have been unable to access it through XXXX XXXX website, and XX/XX/XXXX website. When trying I get an alert indicating that I would have to call in to request a copy of my credit report. I have called in 8 times within the past 7 months and requested a report be mailed to me however I still have not received my report from both credit bureaus. During this, both credit bureaus have reported fraudulent information on my report which I am alerted to through my credit monitoring service but still am unable to view the actual report. I have not received any communication from Equifax despite requesting my report with them via phone and Annual Credit Report, I was also a victim of the Equifax data breach and still don't have access to view the information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX an additional principal payment in the amount of {$3000.00} was sent to my lender, Ditech along with my regular payment. It was misapplied to escrow. I have repeatedly called ( XX/XX/XXXX, XX/XX/XXXX ) and submitted correction requests ( XX/XX/XXXX, XX/XX/XXXX ) through their online but can not get this corrected. I received email responses from my online requests that said someone would contact me but no one did! On XX/XX/XXXX I spoke to a supervisor who assured me it would be fixed on XX/XX/XXXX. I have checked online since then and no correction was made. This affects my interest amount and I am reluctant to send another additional principal payment until this is corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I received a phone call from Dynamic Recovery Solutions saying I owed a debt on a medical bill from 2010. I informed who I was talking to that I did n't believe I owed this debt. A manager got on the phone and was very rude and told me that I did owe the debt. I live in the state of GA and this debt is past then statute of limitations. Also, I called the company XXXX on XXXX and spoke with XXXX and told him that I did n't believe I owed this debt and it was passed the SOL he said he would note that I was disputing this. I also told him that I was going to send a cease and assist letter. He told me no need to that he would note it in the system for me not be contacted. I received a letter in th mail that was written on XXXX from the above company that they had noted my account was disputed and would cease collection efforts on this debt. However, today XXXX I received a call from this company using the number XXXX. I did not answer this number but upon calling back it was Dynamic Recovery Solutions. I have received three letters in the mail and also calls after I had asked them to stop and I disputed the debt. The letter also stated they " may '' report it to a credit agency. This debt is past the SOL and I 'm am disputing the fact I even owe it. I feel like this company has violated the Fair Debt Collections Practice by threats and calling after dispute was received. Upon research I have found that this company has done this to many others as well. I also fee the threat to report this on my credit is a violation of The Fair Credit Reporting Act. I will be writing a cease and assist although it was verbally given and confirmed at the above date. This company I feel violates consumer 's right by harsssing phone calls and threatening letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY
Product: Credit card
Issue: Other

Complaint:
Was requested by the State of Wyoming complaint number XXXX Important documents were mentioned in my index of documents but were not included by consumerfinance.gov Please add these documents to the complaint. 
Thank You 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 monetary relief
Consumer complaint received 2015-05-20
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I get a message that my escrow account is short {$560.00}, I pay that, send it in, then I get another message that since I sent in the {$560.00}, they assessed my account again and found I 'm short again {$68.00}. In one month my account went up {$43.00}. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan was serviced by XXXX, they told me to take a partial payment forbearance. They did n't tell me that they would be taking the difference of the balance and adding it to the principal amount. Because of this, my loan which I took out in 1993 for XXXX dollars is now XXXX and climbing..the loan is now being serviced by Navient..the monthly payment would be almost XXXX for 15 years..I have been paying the loan for 22 years..I am a veteran of the XXXX..I am paying based on my income now..I will be paying for at least another 12 years..I 'm not sure how much interest in have paid..but surely I have paid the original XXXX dollars by now ... can anyone help me

Company response to consumer: Closed with explanation