BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX accounts un the XXXX XXXX. of XXXX that are showing closed/derogatory. These accounts have long since been satisfied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: PHH Mortgage Services Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind on my mortgage and had to file bankruptcy XX/XX/XXXX 
After I graduated from college, my income decreased significantly. 
PHH sent me a packet to submit for a loan modification, they have myhome listed for foreclosure. I submitted all the requested documents and contacted XXXX as my advocate. I have received XXXX letters fromPHH requesting the documents that I had submitted in XXXX. 
I have yet to speak to the assigned case manager XXXX XXXX, I have annotated and faxed the documents requested for a secondtime. I have called to check the status of my packet as it is goingon XXXX+ days, and when those days expire I have to start thisprocess over. PHH has my home listed for foreclosure. I purchasedmy home XX/XX/XXXX, I am retired military veteran with a fixed income. 
All documents requested were submitted to PHH and XXXX. 
I am desperately trying to save my home and just want theloan modified so I can afford the payments. I was told today that mypacket was submitted for review and I do n't know what else to do butrequest additional assistance to help me keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have ask them to remove XXXX XXXX XXXX that was open XX/XX/XXXX that is is BEYOND STATUTE and they it have be their until 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 2015-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting incorrect information in violation of the Fair Credit Reporting Act. I received XXXX " XXXX '' forms from XXXX for XXXX credit card accounts. This was treated as income to me and I paid taxes on it. XXXX 's use of the XXXX form means what is says : the debt is cancelled. Period. XXXX is continuing to report these balances as not only due, but past due. They claim they are permitted by Experian to do this. I have found no rules or guidance agreeing with this posture. This practice is an abuse of the credit reporting system and must be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
threatened a state guy would charge me. Called several times after I asked them not to. Calls made after XXXX XXXX. Threatened to sue me, said I would have to pay more fees to attorney. Refused to send me verification the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I mailed a letter to Experian in XXXX 2016, disputing several accounts. As of today 's date, I have yet to receive the investigation results. I also tried to go online with Experian.com to review my credit report however I was unable to obtain a copy of it though they were able to pull up the report after being provided the exact information I entered online. I have contacted Experian today and spoke with the special handlings department who confirmed they never sent the results out. I advised they are now in violation of FCRA and need to remove all accounts that were on my initial request. The representative I spoke with XXXX XXXX XXXX stated she could only put in a complaint about the failure to send out the results. I immediately asked to speak with a supervisor to get an immediate resolution to the problem since this is going into the XXXX month that they have n't since this information out to me. I spoke with XXXX ( Supervisor ), who advised the only thing they can do to correct this problem is to mail out a new report to me. I advised that this is unacceptable as they never sent the original XXXX and I am well within my rights to expect their process & procedure to be followed as it relates to disputes.

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 2016-03-31
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
XXXX XXXX reported a hard inquiry to Experian Credit Bureau on XXXX/XXXX/15.

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 2023-09-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
HI, In applying for a credit card I was denied which surprised me because I pay all my debits. However, I have a problem with social security administration with an overpayment. The overpayment is in dispute and has been for over 2 years now. In the meantime, we have set up an agreement that I pay them {$120.00} per month until a decision on the amount is made, and I have paid every month. My credit is damaged and it should not be, and I do not know how to correct this problem.

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 2015-06-22
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XX/XX/2015, I received a collection notice from RMS ( Receivables Management Systems ) for XXXX : Account:XXXX stating that my account was delinquent and XXXX placed the account with RMS for immediate attention. RMS claimed that despite XXXX numerous requests for paymennt that I allowed my account to become seriously past due and payment of this balance will allow RMS ( collection representative : XXXX XXXX, extension XXXX. XXXX or XXXX ) to cease further collection action. XXXX XXXX never contacted me by either mail or telephone stating that I had an outstanding balance of {$46.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I purchased cell phone charging cables from an on-line vendor. Within 3 weeks they all stopped working. I contact the vendor, via email, and they promptly told me to return them, they would test them and either send them back or replace them. So i did. After the cables were sent back I sent XXXX separate emails telling the vendor that the cable were on they 're way and to let me know if there was any issues. I never got another reply from this vendor. 
I requested Discover Card to refund my money and have been denied several times. What ever happened to the " Customer is always right ''? Discover has refused to entertain the fact the vendor is lying and had never intended to replace the cables.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: DISCOVER BANK
State: OK
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My social security number was used to open several accounts. 
I filed a police fraud. Report and all the papers from. The credit Card company 's. This company removed it from my credit reports Then put it back and started billing and calling me again. I. Have Never used this card or made payments on it. I told them. 
The person responsible for the card and it did n't make a Difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: FIRST GUARANTY MORTGAGE CORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am currently involved in a construction loan with First Guaranty Mortgage Corporation. This is an FHA construction to permanent loan that was approved at the beginning of 2015. I initially had a good faith estimate done and agreed to the terms. During the process the company changed my amounts and interest rate from what was quoted me stating that my paperwork I signed was out of date. They proceeded to increase my rate along with requiring more of a down payment. During this time I started building the home grading and such to keep my progress moving forward so I incurred costs that were built into my loan for reimbursement. I submitted these to FGMC as the actual line items on my loan from the budget we created. I was told that these will be prepaid payments and not reimbursable. These amounts were built into my good faith estimate and when I received final docs the loan changed by these amounts. Prepaid items became deposits and the amount for withdrawal for my construction build shrunk by approximately XXXX. I confronted them about this and they explained that I still had a 10 % overage built into the loan. I asked them to point this out in the loan but I was ignored and come to find out this is not in the loan. I have asked for an increase in the loan to cover the amounts of my first reimbursements only to be humiliated by the loan company stating that " with the contractors and my experience they do n't see how this could have happened ''. I 'm trying to scrape funding together to complete my house but so far no luck. My warning to all would be if you are looking for this type of loan, do not use FGMC. By the way I have completed a home in the past using XXXX. I did very well and ended up selling this previous house for a profit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Continental Services Group, Inc. d/b/a ConServe
State: NC
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I previous ply advised the collection agency that I am not allowed to receive personal calls at work. I never gave them my work number for that reason. The collection agency somehow found my work number and still contacted me there even though I had previously advised them it was against company policy to receive those types of calls at my workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a new home in XXXX XXXX. This home was in foreclosure and was being double taxed due to it not being homesteaded. I understood this at the time. 
I have paid the doubled tax rate for all of XXXX and have now obtained an estimated tax rate for XXXX from the county tax assessor 's office that is significantly less due to the home now being homesteaded. 
My tax rate for XXXX was {$9400.00}. This decreased in XXXX to {$3900.00}. 
My issue is that my mortgage company refuses to accept this XXXX estimate from the county and will only accept the actual tax bill which does not come out until the end of XXXX. 
So, I am stuck for all of next year paying the XXXX rate even though it is clear that the XXXX rate is much lower. 
The mortgage company says all they can do is maybe get a refund if I pay too much into escrow during XXXX. This likely will not happen until XXXX. 
I feel like they are keeping money that is mine. They should adjust my tax rate based on the estimate I received from the county. The county told me this estimate rarely if ever changes and if it does it would be minimal. I have an overage in escrow already of over {$1000.00}. If the estimate does change I would still be covered. I am paying hundreds of dollars more each month on my mortgage payment than what I should be paying but the mortgage company does not seem to care. 
Can you help with this? 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: WELLS FARGO & COMPANY
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Wells Fargo is allowing someone named XXXX XXXX, whom I do not know and to whom I have not given permission, to use my telephone number for some type of Wells Fargo service. Wells Fargo has called my telephone number on multiple occasions, despite my repeated demands that they cease and desist from doing so. 

I have no business relationship whatsoever with Wells Fargo, and I owe Wells Fargo nothing.

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 2015-11-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received letter from Carrington Mortgage Services stating repo and that owed 2 payments. Had mailed 1 payment that week and found out that the extra sent prior was held as it was not a full payment. I understand that. So, I overnighted the balance on Monday and it was tracked to delivery on Tuesday. Waiting until Friday to check if posted and found that neither were. Called them and they said they had received neither the check mailed a week earlier or the overnight. They stated that I would have to prove that anything was sent. I stated the tracking stated it was received. Now a week after still neither have been posted. I used the address on the letter for overnight, and the payment mailed was sent it their envelope with their address. What can I do to get a straight answer from them? Their customer service is totally lost. I know the payments are my fault, but goodness how do I fix if they are n't posting and receiving payments. I want to get this up to date asap. What can I do? I am afraid to double the payments as they may then deposit and post the old and new monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage provider, XXXX. My Loan Care ( www.myloancare.com ) reported me as delinquent in early XXXX, in violation of the rules which give me a grace period for the acquisition. I called and spoke to a representative who said I would not be reported to the credit agencies. While seeking a loan on XX/XX/2017 I was told that I was reported to the credit bureaus as delinquent. My urgently needed loan was rejected and I am unable to get My Loan Care to remove this delinquency. My loan number is Loan Number is 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 2017-01-26
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This is a follow-up complaint to Case number : XXXX. 

On XX/XX/XXXX, I submitted the above referenced case. I provided back-up documentation. The company responded that they would no longer contact me on my work telephone number, yet today, at XXXX I received an debt collection call from Rash XXXX at caller ID number XXXX. I heard a recorded message that it was an urgent business matter for myself and then I was placed on an indefinite hold. 

From my previous complaint : I received a phone call on my direct line at my place of employment on XXXX at which time I sent them a letter via fax and USPS to cease and desist contacting me at my place of employment during my work hours. I have continued to receieve phone calls : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I have sent them 4 notices, all faxed and then sent by standard USPS delivery. 

On XXXX I spoke to a woman named XXXX who verified that they had received my communications and was unsure why I was continuing to get calls. She was going to contact their IT department. 

The company submitted a response : Good Morning, Per XXXX request, our auditing department reviewed his account today. All numbers in the complaint had been removed and the file was noted that no calls are to be placed to his place of employment. One number, XXXX was located in another file in our office under a different individual 's name. This could explain why calls were placed to that number even though the number in XXXX account had been removed. Effective today that number was removed from the other file as well, and was noted that no calls are to be made to the place of employment. RCA has placed both numbers in our " Do Not Call '' data base. 

They have not ceased this illegal collection activity as of today, XX/XX/XXXX. This will be their 6th written notice to cease and desist. ( I will note that all of the calls were placed to my direct inward dial line at work XXXX and not the XXXX that they reference above. Phone systems logs are available to corroborate if needed. ) I request the the Consumer Financial Protection Board take enforcement action against Rash Curtis for their ongoing and blatant disregard for the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: U.S. BANCORP
State: MI
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I APPLIED FOR A LOAN WITH WHOM I THOUGH WAS US BANK I WAS TOLD THAT I WAS APPROVED FOR A PERSONAL LOAN OF XXXX HOWEVER TWO DAYS LATER THEY CALLED AND TOLD ME THAT I NEEDED TO PAY CREDIT LIFE INSURANCE OF XXXX DOLLARS WHICH I SENT TO THEM THRU XXXX TO XXXX THEY TOLD ME THEY RECEIVED THE MONEY FOR THE CREDIT LIFE, BUT THE STATE OF MICHIGAN PUT A HOLD ON THE LOAN AND STOPPED THE LOAN TRANSFER, AND THEY I NEEDED TO PAY XXXX FOR THEM TO TAKE THE HOLD OFF. I PAID THE XXXX. XXXX ALSO TO XXXX XXXX, THEN THEY CALL BACK AND SAID THAT THE HOLD WAS NOT REMOVED AND THAT I WOULD HAVE TO PAY FOR XXXX FOR A ATTORNEY TO HAVE IT RELEASED. AT THIS POINT I TOLD THEM NO THAT I HAD NEVER HEARD OF ANYTHING LIKE THIS HAPPENING TO RECEIVE A LOAN. I TOLD THEM AT THIS POINT THAT I WANT TO USE MY RIGHT OF RESCISSION AND CANCEL THE LOAN REQUEST AND TO SEND ME MY MONEY BACK. THEY TOLD ME THAT SOMEONE FROM ANOTHER DEPTARTMENT THAT HANDLES THAT WOULD CALL ME BACK IT 'S BEEN OVER A WEEK AND NO ONE HAS GIVEN ME A CALL. THE LOAN OFFICE THAT I SPOKE WITH SAID THAT HIS NAME WAS XXXX XXXX XXXX LINE XXXX, XXXX THEY ALSO TOLD ME THAT THEIR WEB SITE IS XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX at XXXX I received an alert on my cell phone that a large purchase had been made on my debit card. I immediately contact my bank as this was an unauthorized transaction. They needed to transfer me to the debit card fraud department, I was disconnected during the transfer. I immediately called back and had to wait XXXX minutes on hold, during that time another unauthorized purchase was made on my account which I believe would not have happened. When I finally spoke with the representative, they were rude and disrespectful - accusing me of trying to commit fraud. They explained the process ( incorrectly ) and then they did nothing to begin this process. As it was a pin number transaction ( I have the card in my possession ), they told me it would be longer to get the money back. After waiting several days for them to send me the paperwork which required me to respond in a short time frame, I immediately sent the paperwork back along with the police report that I had filed. The documents I signed state one practice, the representative on the phone states another. There is inconsistency to when they will give me back the provisional funds. Now my automatic payments out of the account are not going through, even though I made sure there was money in this account. I ca n't seem to get anyone to give me the same answer twice. It seems as if they are intentionally holding the money even though it is clear that there was fraud on my account. There were false comments put on my account, such as I was traveling which was untrue. They told me to go to a bank to get the documents faster but when I got to the branch they could not help me. It seems as if they are intentionally giving me a run around. On top of that, I am not convinced that a bank representative could not be working with the criminals. I received an email the day after my claim was sent that said I should be using the new card that I received. I had not received a new card since XX/XX/XXXX nor does the bank claim that a new card went out. It makes me wonder exactly how they were able to obtain a duplicate card and pin.

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 2016-03-29
Company: Residential Credit Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is yet the newest company who claims to have my home mortgage servicing as I am still in dispute with XXXX and RCS which has not yet been resolved as requested by the White House Liasion and my Congressman

Company response to consumer: Closed with explanation