BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: Servis One, Inc., Titusville, PA Branch
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was turned over for servicing to BSI about a year and a half ago and have nothing but problems. First I have always been able to pay my mortgage loan using my bank bill pay for overnight processing which I found out BSI does not have so an actual check needs to be sent so now I have to guess at what amount I should pay since I do n't get their statement until after the time when I need to do the bill pay to get it their by the due date. I have also been trying to get information from customer service regarding when the interest only will end as I believe it will be this year. I called a couple of months ago and the customer service agent said that it would have normally ended in XX/XX/XXXX but that these loans have been extended to XX/XX/XXXX now. Last week I received a letter stating that my interest only ends in XX/XX/XXXX and my statement will most likely increase as is will contain both principal and interest and will be shown on my statement. I still have not received my XX/XX/XXXX statement, I have called 3 times to talk to them about what the actual payment will be and what the interest rate will be. They are not able to help me and have left messages each time to ask to speak to my account rep. Seems he is always busy and I leave messages but still no call back. This is the worse loan servicing company and their customer service agents are useless unless you only want someone to answer the call in person. I agree maybe a class action suit would wake them up!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
EXPERIAN IS THE ONLY CRA NOT REMOVING THE INACCURATE PUBLIC RECORD FROM MY CREDIT REPORT. XXXX AND XXXX HAS REMOVED IT AS SOON AS I PROVIDED THEM WITH PROOF OF THIS BEING INACCURATE. SAME INFO WAS SUBMITTED TO EXPERIAN BUT I KEEP GETTING THIS AUTO GENERATED LETTERS, ONLINE ACCESS IS NOT AVAILABLE AND IT IS IMPOSSIBLE TO GET AHOLD OF A LIVE PERSON OVER THE PHONE. MY LAST CALL TO EXPERIAN I WAS ON HOLD FOR 2.34 HOURS UNTIL I RAN OUT OF PATIENCE. THIS IS INACCEPTABLE, IGNORANT AND A VIOLATION OF MY CONSUMER RIGHTS. 
EXPERIAN IS NOT COMPLIANT WITH FCRA RULES AND REGULATIONS AND MUST BROUGHT TO JUSTICE

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 2022-05-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  accounts, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2016-08-19
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX I purchased a home and financed it along with a co-borrower with 21st Mortgage Co. The Loan number is XXXX. 21st Mortgage reports this loan on my credit report yet they do not put my name on any mortgage coupons, mortgage statements and XXXX interest statements. This is unacceptable. I live in the residence I financed and the co-borrower no longer lives here and has a change of address which means I do not have access to my mortgage coupon, mortgage statements, any mortgage notices or most importantly the XXXX interest statements. 21st Mortgage needs to correct this information and put my name on all corresponding documents including year end XXXX interest statements as i am fully entitled to claim interest payments on my mortgage. I am requesting that they issue CORRECTED XXXX INTEREST STATEMENTS FOR XXXX, XXXX AND XXXX IMMEDIATELY TO CORRECTLY HAVE MY NAME APPEAR ON THEM and that they also issue new mortgage statements and coupons asap. 21st Mortgage is located at XXXX XXXX XXXX, XXXX, TN XXXX. Their phone number is XXXX and their XXXX number is # XXXX. Please help me have them correct this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: American Financial Resources, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Yes XX/XX/XXXX my wife and I applied for a FHA loan through Elend-American Financial and we went through approval had everything done survey appraisal engineering inspection shopped for homeowners it underwriting keep asking for more bank statements even after the funds was verified and each time money went in and out I had to so invoice or receipt ( self employed ) of where the money went or come from so after the funds was verified I didn't use the account anymore because of the hassle of showing where it went or come from showed taxes for XXXX and XXXX as XXXX was my bad year for covid my work slowed down at end of XXXX and half of XXXX as I'm a XXXX and no one wanted me in there homes well after going around and around with underwriter on XX/XX/XXXX I asked to speak to a supervisor it's been 3 months 4 closing dates pushed the underwriting kept wanting more bank statements but as soon as I asked to speak with a supervisor on XX/XX/XXXX on XX/XX/XXXX they made a decision they couldn't do the loan because differences in income now my wife makes XXXX a month and was also on the loan so there's really no reason I shouldn't have gotten the loan they said all the covid breaks only applies for XXXX not for XXXX and they couldn't do the loan because different in income from year to year now this is weird after all that they so they can't do the loan and no real reason why except I filed a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated that my account with XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX and my state Attorney General 's office have also been contacted regarding this matter. They have also violated my rights under 15 U.S.C 1681 Section 602 A States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 States that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a judgment on my credit report from XXXX/XXXX. It is saying unpaid but I finished paying in full of XX/XX/2015. I was told multiple times by XXXX that it would be updated but it has not.

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Personal Info Needs to be updates CRA refuses to do it through their system Correct Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-09-01
Company: Experian Information Solutions Inc.
State: RI
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:
Earlier this year I noticed a XXXX XXXX account on my credit reports, negatively affecting my score. I have never had a credit card with this bank, and it was eventually removed. about two months ago ANOTHER fraud account from XXXX XXXX XXXX appeared. I never authorized an account with this bank, they dont speak english they harass me every day 20 calls a day. I also had a fraud alert which they ignored and opened another fraud account. I never spoke with this bank and allowed them permission to access my account, and there is another inquiry from a few days ago. I have sent fraud papework and never hear back from them, when you call there is nobody who can understand you and all they say is pay bill. I am tired of this company doing whatever they want

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 2017-09-01
Company: EQUIFAX, INC.
State: RI
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:
Earlier this year I noticed a XXXX XXXX account on my credit reports, negatively affecting my score. I have never had a credit card with this bank, and it was eventually removed. about two months ago ANOTHER fraud account from XXXX XXXX XXXX appeared. I never authorized an account with this bank, they dont speak english they harass me every day 20 calls a day. I also had a fraud alert which they ignored and opened another fraud account. I never spoke with this bank and allowed them permission to access my account, and there is another inquiry from a few days ago. I have sent fraud papework and never hear back from them, when you call there is nobody who can understand you and all they say is pay bill. I am tired of this company doing whatever they want

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My HELOC was transferred to BSI in Pennsylvania in XX/XX/XXXX, they always messed up my payments, and recently I just called to get my rate information, to no avail. My loan is now transferred to another company. 
I need my rate information, as I feel they might have put it in wrong, and at 2.25 %, with all the payments I have made, my loan should have gone down substantially, which it has not. 
I have not been on top of this, as I have been taking care of XXXX friends who have XXXX, and the past XXXX years have gone by so fast. I just caught up with everything, and I noticed that the information they sent to the new company is off by 1 %, so I need to get the correct information from BSI. 
BSI sent me a print out, which I ca n't make heads or tails out of, and I have been in XXXX for over XXXX years. They seem like they are quite backwards as far as their computer system. 
I want to make sure they have the correct rate information, as my rate is always 1 % lower that the prime rate in the XXXX XXXX XXXX. I have made many payments over the monthly payments, which should have been going to principal, so I do n't understand how at the rate I am, that my HELOC has not really gone down. 
I would appreciate any help, as this is just snowballing, as BSI has sent out the wrong loan information to the new company XXXX XXXX XXXX in XXXX California. They have my rate as XXXX, and as indicated by the FDIC, which took over the bank I originally had the loan with, my rate will always be prime minus 1 %. 
I am asking for help in this matter, a $ XXXX loan that I started with in XX/XX/XXXX, should not be $ XXXX, I have made payments above the minimum payment, and always to principal. 
Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: ZIONS BANCORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Paid my Nevada State Bank mortgage in full on XX/XX/20 through a refinance with another company. Due to timing of the payoff, a monthly mortgage payment was automatically deducted, resulting in an overpayment of {$1100.00}. Rather than refund these funds to me immediately, the automated telephone response informed me the funds would be reimbursed within 20 days. When I did not receive the funds after 20 days, I called and waited for over 48 minutes to speak with an actual customer support person. I was informed the 20 day period was not correct and it would actually be 30 days while they " analyzed '' my account. The account is paid in full and there is no reason to analyze anything or withhold funds belonging to 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 2020-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Hello, This is the 2nd time we have done an international transfer through Bank of America. The first transfer we didn't realize that Bank of America had the incorrect exchange rate on their site. We purchased goods from our XXXX XXXX in XXXX and when it received his money, he didn't have the total he requested. We then had to pay an approximate {$180.00} to him to make up the difference. We did a transfer today, and yet again, the exchange rate is incorrect. The PKR to USD is XXXX as of XXXX XX/XX/2020, but BOA shows it as XXXX PKR. That is a huge difference. We ended up having to pay an additional {$170.00} to our seller to make sure they received the total requested for their goods. If BOA had the correct exchange rate, this would not have happened. BOA owes me apprx {$350.00} due to having incorrect exchange rates on their site when doing transfers.

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 2022-09-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX & XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a the right to privacy.

16 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I mailed a 609 letter to the company, and they did not respond within reasonable time. Company is not complying with their own policies in a timely manner. They are reporting incorrect information. 

XXXX XXXX XXXX XXXX : Account ending in XXXX {$1100.00}. 
Account ending in XXXX {$2800.00}. 
Account ending in XXXX {$0.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$2300.00}. 
XXXX Originals : Account ending in XXXX {$3000.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX : Account ending in XXXX {$1000.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$420.00}. 
XXXX XXXX  : Account ending in XXXX {$190.00}. 
XXXX XXXX XXXX XXXX XXXX : Account ending in XXXX {$100.00}. 
XXXX XXXX : Account ending in XXXX {$1100.00}.

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 2017-02-28
Company: Blackhawk Network Holdings Inc.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I tried to use a Visa Debit prepaid card with the four digit number and it did not work. I also called the company using the " XXXX '' # on the back, the person who answered asked for a 16 digit # on the back of the card. I gave him the # he asked for the value of the card, I gave him that information. He said to use the last 4 digits on the front of the card as the pin #. Once again it did not work. I used a different " reliable '' previously used debit card returned back some of the goods and paid the bill and left.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
One of the issues I have is my mother 's name is coming up on my credit report as if it were mine. We have the same name however XXXX. She has been deceased for 5 years now, however it is showing up. 
Another issues, is there is tax lien information coming up and the status is showing as paid. 
And lastly, I have school loan companies that are showing up as accounts I have, however I 've consolidated my loans and now only XXXX provider is handling my case, but the original providers are showing up as accounts ( with no dollar amount ) I 've had and they never really handled my case. How can I get those accounts off, when I no longer have any ties with them. 
Any information you can offer, will be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since the pandemic started we've continued to request Mr. Cooper to lower payments and/or interest rates. We have remained in XXXX with no relief because if we can not afford the payment to the trustee, the filed of dismissal will then turn into foreclosure. Our attorney has not been able to assist, but did tell us Mr. Cooper refused to lower payments because we refused to accept a forbearance which would only place payments at the end of the loan. Our attorney advised against this. Afterwards Mr. Cooper has turn down every request made to them including lowering interest rate that gives them {$700.00} in payments, and only {$200.00} towards our principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a few letters, asking PORTFOLIO RECOVERY ASSOCIATES, LLC is send me original documents with my signature, as a proof to this claim i am unaware of. After the second letter i received a response saying. They have completed their investigation, and have established validity. I have yet to see documentation with My signature. I called the original creditor, XXXX XXXX and made them aware i knew nothing of the debts. XXXX XXXX response was that they had no original Documentation with my signature on it.Upset that they have not worked with me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Beginning in XX/XX/2020 a Company named " Offices of Credit Management '' began calling my phone. They would not disclose what my " debt '' supposedly was. When I stopped answering their calls they began to leave this actual voicemail. They have left this voicemail several times now : " Our Bill matches your Social Security number, the moment you receive this message I need you to get back to me on my department division number XXXX XXXX XXXX XXXX, I repeat at XXXX XXXX XXXX XXXX. Now, if I don't hear a call from you we will have to issue an arrest warrant and get you arrested, so get back to me as soon as possible, thank you. '' They have called from these two numbers, yet they left the number above : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX When I called the numbers to ask about the " arrest '' a manager came to the phone and it was the same male voice that left the voicemails, except I could tell he ran his voice through a device that slightly altered it. I have perfect hearing and that is certified by my ear specialist, I instantly asked him why he left a voicemail like that via a device and that I could tell it was him. He grew hostile and denied ever leaving voicemails and hung up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation