BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FRAUDULENT MORTGAGE LOAN SERVICING ( XXXX ) BY WELLS FARGO BANK, XXXX XXXX XXXX ( XXXX ) AND XXXX XXXX XXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) WITH RESPECT TO XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX, XXXX XXXX, NY XXXX. WELLS FARGO LOAN # : XXXX, XXXX LOAN # : XXXX Wells Fargo Bank, XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  XXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) have violated the mortgage origination documents by introducing a new unsolicited balloon loan of {$380000.00} into the home relief option expected to bring relief to the borrower ; but now pain, because they have threatened to foreclose my property unless I agree to sign the additional balloon loan agreement on or before XX/XX/XXXX ; as a solution to resolve the unpaid arrears of {$100000.00}. They refused the extension of the maturity date of the loan from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX as the Retention program provides ; but instead allow only 1 month extension from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
Specifically they are violating Clause 3F of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) which categorically states that only the deferred non-interest bearing amount of {$150000.00} will be due for payment at maturity or when the mortgage principal of {$510000.00} is paid off ( see page 109 of the attachment ). XXXX claim the balloon amount is at the instance of the Investors guidelines- XXXX XXXX XXXX XXXX XXXX ; which violates all the agreements concerning the mortgage loan and therefore violates RESPA and Home Retention Program. 
Specifically they have violated Clause 4 of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) -RESPA because they have refused to account for the application of the about {$560000.00} I have paid towards principal and interest payments from XX/XX/XXXX to 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
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 need the consumer protection to contact the 3 credit report bureaus to restore the score to the point it was before I interacted with the office in XXXX. You have documents of before and after score which is not possible. You can even ask the companies. 

On XX/XX/2021 I applied for a mortgage at a company in XXXX called XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was 21 points lower. I then called another cross country mortgage in PA and they said they would have given me the FHA loan. I tried to call cross country mortgage in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a 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 2022-04-13
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX is reporting a debt that is not mine nor do I have awareness of. I attempted to call their phone number but it is disconnected. On XX/XX/20 I disputed this account with Experian and it was removed. 11 days later it was added back and not 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 2020-04-01
Company: EQUIFAX, 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:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: PA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021, as of today it's 53 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX XXXX  XXXX : Account number : XXXX FDCPA section 807 Violation misleading false reporting. Please delete. 

2.XXXX : Account number : XXXX Please remove this account from my credit report. This account is reporting inaccurately. 

3. XXXX XXXX  : Account number : XXXX I dont recall being late. Please update to 100 % paid as agreed. 

4. XXXX XXXX XXXX : Account number : XXXX Please remove this account from my credit report. This account is reporting inaccurately. 

5. XXXX XXXX : Account number : XXXX The balance appears wrong. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: PA
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 need the consumer protection to contact the 3 credit report bureaus to restore the score to the point it was before I interacted with the office in XXXX. You have documents of before and after score which is not possible. You can even ask the companies. 

On XX/XX/2021 I applied for a mortgage at a company in XXXX called XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was 21 points lower. I then called another cross country mortgage in PA and they said they would have given me the FHA loan. I tried to call cross country mortgage in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: SUNRISE CREDIT SERVICES, INC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company called and will not disclose who they are. They are also spoofing local phone numbers and not using their own number to show up on caller ID and admitted they were not calling from that number.

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 2017-03-03
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company is listed on my Credit reports. I have asked for this debt to be verified because I never had an account with Senex Services. Pursuant to the Fair Debt Collection Practices I demand validation. They 've called my cell phone numerous times but have yet to verify the original debt. This debt is listed as a charge off/collection on my credit 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 2021-08-02
Company: Home Point Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I had a loan with Homepoint Financial in XXXX TX. Our home is located in XXXX, PA. The loan was an FHA backed loan. We wanted to refinance in order to remove the PMI that we were paying. We worked with Homepoint to accomplish this. As we approached closing I noticed the estimated payment was really high. I finally determined that they had entered in the tax information incorrectly. They had taken our small local property tax bill and inflated to be almost 6 times the size. That meant our payment was estimated to be {$350.00} more a month than was anticipated. I was told that to revise would push the closing way out, but I could submit the tax documents and get the escrow amounts reanalyzed right after closing. I called and asked how to do that and was informed that it was not something they could do, and that they had to wait three months before they could adjust. While I understand that there may be policies in place, they lied to me in the process of setting up the loan, it ultimately meant I had to bring more to the table to close to start the new loan with a much larger balance. It also means that I am paying extra into an escrow account that will ultimately be overfunded.

If they had been honest up front we could have planned for it. Very disappointed. I did share with them that I would be filing a complaint for their deceptive practices.

I am including e-mail conversations between myself and the folks at homepoint. Who continued to claim it was an issue of them having to pay the taxes but it would not affect the monthly payment. The reality is they collected too much escrow and too much each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Stop calling me I getting like 7 miss call daily and I just pull my XXXX Credit Report and I don't have any XXXX Acct next I Never ever give out my social security number to ANYONE I'm report this info ( FTC ) Federal Trade Commission so Stop calling me from this Number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: SYNCHRONY FINANCIAL
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX LLC Account Number : XXXX This is not mine. 


5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft SYNCB/TJX DC Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX  and XXXX. XXXX, CA My Insurance was/is XXXX with XXXX XXXXXXXX XXXX 
XX/XX/XXXX XXXX XXXXXXXX XXXX sends invoice for services doing business as XXXX XXXX XXXX XXXX is to made out to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, NV XXXX Partial listing of my letter writing attempts to resolve this issue : I wrote to Envision at the address in XXXX XXXX explaining I am waiting for the XXXX information to verify my share of the cost. No response I receive an invoice from XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  in which the 'Explanation ' column indicates 1. Insurance coverage terminated 2. Insurance patient responsible : no coverage on DOS. 
I write to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX XXXX confirming my XXXX and XXXX XXXX  coverage. No response. 
From XXXX I received detailed information regarding all other related costs. I have yet to receive from XXXX any information related to this cost. 
XX/XX/XXXX I received a letter from debt collector XXXX XXXX XXXX XXXX. I respond that the debt is in dispute. 
My further attempts to resolve this issue include On the Internet I found a local office for XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX I sent letters via Certified Mail to Envision in XXXX XXXX *Same XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX All of the letters were accepted at the addresses. No responses. 
XX/XX/XXXX I receive letter from debt collector Credence Resource Management Texas license. Mailing address : XXXX XXXX, XXXX, MI XXXX. I respond by Certified Mail 1. Debt is in dispute 2. I want them to send me name and address of original creditor. No response. 
XX/XX/XXXX I receive a phone call from Credence. The phone volume of the representative was hard to understand. We confirmed my home address and I hung up. I am sending a letter via Certified Mail telling Credence to cease from contacting me and reporting to any relative company or credit bureau that the debt is in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27
Company: Credit and Receivables Services Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, This bill was paid in full. I had previously contacted the biller and they confirmed the bill was paid in full but my credit report was never updated. 

Please contact me at XXXXXXXXXXXX with any or all help associated with this. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX {$1000.00} COLLECTIONS XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021 XXXX reports were ordered from the three major credit reporting agencies. Once again Equifax refuses to provide credit report as they have refused before and will only comply with a formal complaint to CFPB. XXXX and XXXX  have sent the reports without prejudice. Equifax has refused to send my report year after year in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: SIRVA WORLDWIDE INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SIRVA Mortgage mishandled the renewal of my homeowner 's insurance coverage and as a result my coverage was cancelled. They are now trying to purchase coverage on my behalf and more than twice the cost of my original policy. My insurance company, XXXX sent the premium notices to SIRVA in XXXX, using the same address as the prior year. On XXXX XXXX, I was told by the insurance department the notices were not received and instructed to email the renewal notice to them. I emailed the renewal on that date. On XXXX XXXX, they claimed to have never received the emails, even though they acknowledged the email address was correct. The policy lapsed on XXXX XXXX, 2016.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-13
Company: Optio Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The debt collector somehow got a hold of a few people I know such as a close friend and family member and told them about my debt in detail and threatens that I am in big trouble. There are XXXX representatives who have called and made the threats and gave out my personal information. XXXX is XXXX and XXXX is the other. XXXX was very rude and made threats to my mother and my close friend when we spoke to them.

Company response to consumer: Closed with explanation