BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXX received letter cancelling auction on XX/XX/2022 XX/XX/2022 - was told that on that date Carrington communicated with their lawyer to proceed with auction XX/XX/2022 - received conditional short sale approval. Spoke with Carrington Mortgage. Company to return call with instructions. Spoke with XXXX who is in the closing department not the short sale. 

XX/XX/2022 - Mortgage company attorney XXXX  ( XXXX XXXX ) went into court ( XXXX XXXX ) and had judge approve auction for XX/XX/2022. Homeowners ( XXXX XXXX & XXXX XXXX ) were NOT aware of this date but Carrington attorney states we were and proceeded with getting Judge approval. 

Why did mortgage company proceed with auction on XX/XX/2022 but approved conditional short sale on XX/XX/2022. When calling mortgage company they continued to say it was a mistake. Home was auctioned today and we will be going to court to file an appearance and motion to vacate sale of home to proceed with short sale as agreed on XX/XX/2022 verbally on a recorded line with Carrington Mortgage We never received any documentation regarding the auction on XX/XX/2022 which coincides with not being made aware of court on XX/XX/2022. Last court date we had in XXXX we had 90 days to do as we which. We completed a XXXX and that resulted in the Short Sale Approvel which was confirmed and accepted on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I checked my credit report and noticed several accounts that I believe to be fraudulent. None of these have been solicited or used by me and now they are tarnishing my credit rating tremendously. This is crippling my ability to make the moves I need to for my family like a high paying position which I am more than qualified but this is the only thing that is stopping me. My information was probably stolen due to one of the data breaches but I am not sure and still trying to figure out. Please help my family and I get to the bottom of this so we can move forward from this already thank you in advance.

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 2020-03-03
Company: Security National Financial Corp
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I closed on the sell of my property XX/XX/XXXX and have yet to receive a payoff quote from the mortgage lender. A notice of default was recorded on XX/XX/XXXX. Security National Mortgage Company has had a request from XXXX XXXX for several weeks and have yet to provide the information needed to pay off the mortgage, stop the accrual of interest and attorney fees. Another month has rolled due that I will be forced to pay. 

The title company called me XX/XX/XXXX to ask for my assistance with obtaining the payoff because no one was helping them at Security National or acknowledging their requests, even with the provided borrower authorization form. 

After speaking to Security National and being transferred multiple times, hung up on, waiting on excessive holds and being denied the request to escalate they informed me the payoff would need to be requested from the foreclosure attorney. Until XX/XX/XXXX no one had informed the title company this, even with multiple requests they failed to acknowledge and forward the request to the attorney. In speaking to them they do not have a process for this. We attempted to escalate the matter but the attorney and Security National played the blame game for the delay. Again, as of today we still do not have the payoff. 

I fear there are critical processes missing with this company and know they are outside the regulatory timeline to provide a payoff quote. I am frustrated that I will be paying another months interests and any attorney fees accrued during their delay. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The 3rd week of XXXX XXXX, Freedom Mortgage XXXX, notified us we were short on XXXX Escrow. The shortage was caused by an increase in the home owners insurance premium, which we were not notified of. We changed insurance companies, which resulted in the premium going down {$500.00} for the year. The old insurance caused a shortage of {$1600.00}, we overnighted the full amount to the XXXX office, per the instruction of the company. We call a few business days later to see, if the check was placed in the XXXX Escrow account. We ask if they had the new insurance company information and new payment schedule. 
We requested the new amount for the monthly mortgage payment with the corrected escrow. We were told the XXXX Escrow check was supposed to be mailed to XXXX. As of today the {$1600.00} funds have never been correctly deposited to the XXXX Escrow account, despite the memo on the check specifically state " XXXX Escrow. '' We paid a {$600.00} house note, which was sent to Escrow for unknown reasons. The XXXX Escrow has never been figured, so to date after trying to the right thing for 8 weeks, we have made ZERO progress. We have called at least once, if not twice a week to see what updates have been made. We rarely if ever are able to transferred to a supervisor. We have yet to talk never talk to same person or the same office. I do n't know they just have bad business practices or what. Freedom Mortgage has not returned any of the phone calls as promised. We have a VA ARM loan and on paper it is a great deal, we strongly suspect the mortgage company is not making any money on the loan, so they are trying to force us into a conventional loan against own will. They also send us information on their conventional loans a min of weekly.

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 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hey I was looking at my XXXX  XXXX  and noticed my old XXXX XXXX   card that I made a settlement with them I believe in 2018. I do not owe them {$2100.00}. 

I am looking for this to be solved and corrected. Any questions please feel free to call me.

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 2017-05-30
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX XXXX I started to receive collections phone calls from Navient. I was receiving several in one day. They stated I was delinquent ( a {$450.00} ), however I had the canceled checks on my bank account showing I paid. I made several dozen phone calls, often being on hold for upwards of 45 minutes. I ended up speaking with XXXX ( employee number XXXX ) a supervisor from the months of XXXX XXXX to XXXX XXXX to have the problem resolved. As it turns out when I mailed my checks, they processed two incorrectly on their end. They cashed my checks to the XXXX XXXX XXXX, the WRONG department of their company which I do NOT have loans with. It was a bit confusing to me that they have 2 separate departments. Even though it was their error, and they admitted to it, they could not just transfer the money internally in their company. They said the only way to fix the issue was to cut me a check and refund my money. Then with that money, I could re pay them and they would apply payment to the correct department. I waited for this refund from XXXX XXXX to XXXX XXXX. Each time I called they said it was coming. It never did. In speaking with XXXX in XXXX, he said they refunded the wrong person ( not me )!!! They ended up eating the cost because they made another mistake. He said I was all cleared and paid up, not to worry about getting a refund and repaying to the correct department. They ended up in the end, just transferring the money I already paid to the CORRECT department. This is what I asked them to do in XXXX. The issue was not resolved until XXXX ( six months ). <P/>However, it has come to my attention that they have done the same thing with my XXXX and XXXX XXXX payments ... .cashed them incorrectly to the wrong department in Navinet . So on their end, it looks like I am delinquent. However I have the canceled checks to prove I paid and they cashed them. I have left a message with the advocate, they have not called me back.
<P/>
Attached are the cleared check for what they are saying I did not pay. Attached is also the Navient statement saying I paid as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Fifth Third Bank and I continually have issues with the processing and application of my payments. I have also recently discovered that Fifth Third Bank has misappropriated my property taxes which has created a delinquent balance and has been charging unwarranted fees. Also Fifth Third Bank has been misinforming credit reporting agencies which has damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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 is missing that should be on the report

Complaint:
I applied for credit on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX and was denied. I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, stating that I was denied credit due to low credit score of XXXX and they based their dictions on information gathered from TransUnion XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PA XXXX. Ph # XXXX XXXX XXXX. My score is XXXX and I just purchased a new home.

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 2020-03-03
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive. I have never heard of the place. I quickly suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$3800.00} XXXX  XXXX {$4400.00} XXXX XXXX {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: ALLY FINANCIAL INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I disputed a charge with Ally Bank XX/XX/XXXX and the dispute was closed in the merchant favor XX/XX/XXXX. When I contacted the merchant they said that they never received XXXX because the bank have not contacted them to close the dispute. The bank did not find me nor the merchant XXXX that came out of my bank account and refused to give me information about my account. They refuse to inform XXXX that the dispute is closed. Ally refuse to let me know where the funds are and why XXXX do not have the funds. They refuse to contact XXXX to resolve this issue to clear my account with XXXX. I have many recordings of representatives hanging up on me with a supervisor calling me a 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 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent my XX/XX/<YYYY> monthly mortgage payment to BofA ( my lender & loan servicer ), loan # XXXX, # XXXX check for {$690.00}. I did not receive a XXXX statement in the mail form BofA, so I wrote the loan number on my check, & stapled a note stating to apply my payment to my # XXXX loan. BofA cashed my check on XXXX/XXXX/15. On XXXX/XXXX/15, I received a delinquent notice in the mail stating I did not pay my XXXX mortgage payment. On XXXX/XXXX/15, I called BofA, was put on hold for 20 minutes, then routed to collections. After talking to XXXX XXXX XXXX foranother 25 minuted, he stated my check was applied to another loan. XXXX XXXX said BofA would fix their mistake & waive imposed charges. I have called BofA serveral times trying to resolve their incompetent mistake, they refuse to fix it. As of today XXXX/XXXX/15, I have received XXXX delinquent notices, threatening they will call my loan due, threatening a foreclosure on my VA XXXX Veterans Administration XXXX loan, threatening reporting the delinquency to the XXXX-credit bureaus, threatening to report to the Veterans Administration loan delinquency. In addition, BofA is sending me delinquent threat letters to my email, calling my cell phone & home phone every other day, & sending me certified letters. Please provide assistence to stop BofA from performing illegal, unprofessional, unethical, & fradulent banking business tactics. I paid my XXXX mortgage payment in full for XXXX, BofA took my money & is threatening & harassing me by phone, email, & XXXX mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
BAnk Of America is inaccurately and incompletely furnishing information regardingthe one and only Bank Of America account listed on my report to the Credit Reporting Agencies inviolation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which BOFA is responsible. 

I dispute their information in its entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
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:
My debit card was used in XXXX at a business called XXXX XXXX on XX/XX/1921 at XXXXXXXX XXXX. I have thorough physical evidence of XXXX plane tickets on XX/XX/XXXX going to XXXX  XXXX. I did not make nor authorize this purchase. I called my bank- America First credit union and cancelled my cards as my card was stolen and filed a dispute. My bank said they would give my money back and then did not, my account is still in the negatives. I tried calling said XXXX XXXX after receiving a letter in the mail from my bank with their information on it and received no reply. I called my bank and they said they would not do anything even tho I have proof I was not in the area and could not physically give anybody authorization to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: Account information incorrect

Complaint:
I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00}

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 non-monetary relief
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX 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 2020-03-03
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$3000.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. I have also attached a notification from XXXX  that this item is deleted from my credit report however, it is still being reported. ) I was searching for a place to live while I was in XXXX and I saw an advertisement for 2bed/2bath apartment. I spoke with Ms. XXXX over the telephone and she showed me the apartment unit on XXXX so I trusted she was showing me the apartment I agreed to rent. I sent her a deposit of {$2500.00} and signed the lease agreement. As it turned out, the apartment she actually wanted to rent to me was a 1bed/1bath unit. ( I have attached a copy of the add she sent me along with a copy of the text message from her. ) I told XXXX I have a family and required a 2bed/2bath unit and that I wanted the unit we had initially agreed upon which was the 2bed/2bath unit. She informed me that this unit was not available. I decided not to rent the place simply because ( 1 ) it was not large enough, and ( 2 ) I was completely misled. Ms. XXXX would not let me out of the original lease that was signed and she would not return my security deposit either. This is fraudulent advertising and Ms. XXXX willfully took money from me under false pretenses. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2015, I contacted Bank of America supervisor at the XXXX XXXX Branch regarding a HOLD placed on my XXXX Business Banking Accounts, Personal Accounts, My attorney XXXX XXXX required documentation to show a judgment based on the Levy. XXXX XXXX would not provide any documentation to support the levy. 
When I requested the phone number of a supervisor of Legal Department, he stated '' It was not public information '' Bank of America refused to provide assistance on these accounts that the levy was in dispute, and refused to provide information on the validity of the court judgement or levy notification. Several insufficient fees were placed on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: ARS National Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter fro m ARS National Services Inc da ted  XXXX   XXXX 2017 stating that an account (  XXXX   XXXX   XXXX  ) has been placed with their organization for collections with a balance of {$1000.00}. On  XXXX   XXXX ,    2017  I sen t ARS National Services Inc  a letter that they received on  XXXX   XXXX ,    2017 to provide me with proof that this debt belongs to me. ARS National Services Inc  sent a letter dated  XXXX   XXXX ,    2017  stating the date account was opened, the last charge made on account, the last payment made on account and  two  billing statements from  XXXX   XXXX .  ARS National Services Inc  has failed to provide me with a contract with my signature stating I agreed to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I worked in XXXX from XX/XX/XXXX until XX/XX/XXXX. Someone accessed my personal information and used XXXX XXXX. 
Now Jefferson Capital Systems is claiming an account opening on XX/XX/XXXX which is a complete fabrication. My signature is on no document authorizing this service. I did not require a cell phone in XXXX while I was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief