BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-06
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our XXXX XXXX XXXX loan was purchased by BSI Financial well over 2 years ago while we were in the process of trying to modify our loan. Since then, our family has gone through hardships that make it impossible for us to make our loan payments due to my health issues and inability to maintain full time employment. We have filed for bankruptcy and are no longer in the financial position to keep our home. In the process of trying to rebuild our lives and repair our credit we have been attempting to short sale our home for almost one year. We have presented over XXXX solid offers to BSI financial, of which none have been acceptable to the " investors ''. Our interactions with BSI financial representative, XXXX XXXX of the Maryland office have been highly unprofessional, demeaning, and disrespectful. Our full loan balance excluding fees is {$500000.00}. We have currently ( as of XXXX/XXXX/2015 ) presented a cash offer for review for {$540000.00}. In our last contact with BSI representative XXXX, he stated that only full loan value offers would be accepted by BSI. This process has been highly frustrating to say the least and I feel that it has been the intention all along for BSI to force us into foreclosure. To further add insult to injury, my husband recently lost his XXXX job and is XXXX with the military. We have not received a response from BSI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Servis One, Inc., Titusville, PA Branch
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
MY LOAN WAS SOLD BY XXXX TO XXXX THAT IN TURN SOLD IT TO BSI FINANCIAL SERVICES ( ADD. IS XXXX XXXX XXXX TX. ) I BELIEVE XX/XX/2016. SINCE THIS COMPANY TOOK OVER I HAVE NOT HAD A MOMENT PEACE. I HAVE NOT FALTERED ON MY PAYMENT, BUT IT SEEMS THAT MY FUNDS ARE EITHER PLACED IN GHOSTS ACCOUNTS THEREBY LEADING TO BARAGE OF CALLS FROM THEIR REPS. I USUALLY DO NOT GET EXPLANATORY STATEMENTS LIKE MY FORMER COMPANIES, I ALWAYS HAVE TO CALL THEM EVERY MONTH TO FIND OUT ABOUT MY STATEMENT. DEPENDING ON WHOM YOU SPEAK WITH ON THEIR PHONE, YOU MAY GET DIFFERENT ANSWERS RANGING FROM " WE HAVE NOT RECIEVED YOUR PAYMENT FROM LAST MONTH ETC, AFTER MANY ARGUMENTS WITH THEM, MY SENT PAYMENT MAGICALLY APPEARS. THEY WILL PROCEED TO SEND ME ANOTHER BILL DOUBLING THE AMOUNT THAT I SUPPOSEDLY OWES. I WAS INSTRUCTED TO PAY A DIFFERENT AMOUNT FOR XX/XX/XXXX WHICH I SENT OVER WHAT WAS ASKED. MY XX/XX/XXXX PAYMENT WAS MADE ON TIME, BUT I AM STILL GETTING STATEMENTS FOR XX/XX/XXXX. ONE OF THE WORKERS BY THE NAME OF XXXX STATED MY ESCROW CHANGED AFTER MY PAYMENT WAS MADE AND THEY WERENT AWARE OF IT. NOW THIS IS VERY STRANGE TO ME. I SUSPECT SOMETHING IS DEFINITELY NOT RIGHT WITH THIS COMPANY.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They constantly call 12 times or more in one day. Once is understandable but 12 times on a Saturday and Sunday is aggressive and on the weekdays they call at least 25 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Closed on new home XX/XX/2020 with XXXX XXXX  and attorney. Mortgage XXXX Made payments to XXXX XXXX  until I was notified that my loan had been sold. 
I made a total of XXXX payments to XXXX XXXX  for XXXX, XXXX total {$1600.00} on XX/XX/2020. 
On XX/XX/2020 I began paying SLS {$800.00}. 
The first payment they received they put in a hold account without notification to me. 
On XX/XX/XXXX they applied 199 % of the {$800.00} to the principle on the mortgage because they said I never directed them as to where to apply the funds ( didn't know the funds where in a hold acct ) Now they are trying to increase my monthly mortgage payment under the guise that I do not have enough money in my escrow account. 
I would note that my taxes and insurance are included. 
Taxes increased XXXX and Insurance increase by {$190.00} per year which would justify a {$1600.00} increase IF MY ACCOUNT WAS SHORT! 
I have spoken to numerous customer service agents who told me " there was nothing they could do '' to " I will have the money transferred '' and you will be all set. 
In XXXX a CSR told me to pay XXXX and when the money transfers back I should be caught up. So I paid an additional {$110.00}. 
It still has not been resolved and as of today they are starting to charge me late fee 's and talking to me like I'm a dead beat.

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 2016-02-17
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
This company was contacted twice in writing. Both times they were asked to validate the debt. Specifically they were asked for a copy of the original promissory note, evidence that they are the holders of this promissory note and the identity of the current owner of the account. As they were unable to provide the requested information I requested they delete this account from my XXXX credit report. To date ( nearly 6 months later ), this agency has failed to validate the alleged debt or delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-05-14
Company: Blackhawk Network Holdings Inc.
State: WI
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I received a {$50.00} gift card from my employer through MyPrepaidCenter.com. This card is extremely limited in the number of vendors it is accepted at. By the time I finally got around to using it the card had expired. I was charged a {$15.00} fee for a replacement. I feel that this fee is excessive for providing a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX showing bill owing of {$71.00} This all started when we RETURNED our Equipment in XXXX, Calif. to the XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-09-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I wrote to you requesting an investigation into items that I believed were wrong I have not received a reply from them or any acknowledgment that an investigation has begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am submitting this written complaint regarding the recent 30 day late payment notice that was reported, by 21st Mortgage Corporation ( 21st ), regarding my Account # XXXX, to XXXX XXXX, XXXX and XXXX ( the Bureaus ) for the month of XXXX, XXXX. In the early part of XXXX, I contacted 21st to let them know that I was currently under contract, with a local Builder, to sell the respected property. My contact was XXXX XXXX ; I informed XXXX that it was a cash transaction and that closing was scheduled for the third week of XXXX. In late XXXX, I informed XXXX that the closing was moved to the third week of XXXX. During this discussion, it was agreed that if closing did not go through as planned, as long as I kept 21st updated and made the XXXX payment by XXXX XXXX, everything would be okay since I had a five year perfect payment history. XXXX also congratulated me on the sale of the property. As luck would have it, the closing did not take place in XXXX. As discussed, I made the XXXX payment on XXXX XXXX. As a result XXXX, immediately ignored the verbal agreement and my perfect past payment history and reported the payment 30 days late. The closing/sale of the property is taking place today, XXXX XXXX, XXXX and the balance will be paid in full. I am in the process of closing on the purchase of a new home on XXXX XXXX, XXXX. As a result of 21st reporting the 30 day late, my credit score dropped XXXX points to a mid-score of XXXX ; worse yet, I have a 30 day late payment, on a mortgage, within the last 12 months. This fatal reporting of the 30 day late has pushed my credit score, credit history from a " XXXX XXXX '' status to a " Refer '' ( Non-Approved ) status and I am no longer approved for the mortgage on the new home. I feel mislead by 21st and I am requesting that, in lieu of the circumstances surrounding the late payment and my perfect pay history during the five year term of the loan, the 30 day late payment was reported in error and that 21st remove it from my credit report to the Bureaus. I would like written confirmation that 21st will report this immediately and that they will be willing to orally confirm this, as well, with all Bureaus and Credit Technology, upon request. The closing on my new house is in XXXX ; if I do not receive compliance immediately from 21st, I will lose the home, possibly be without a home and will suffer substantial financial consequences. If 21st is not willing to immediately comply with this request, I will file a written complaint with the CFBP today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: NC
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 will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I originally borrowed $ XXXX to pay for my XXXX degree at XXXX University. I have made payments in the amount of $ XXXX but none of the payments have reflected in my principle balance. I had applied for a loan consolidation to see if I qualified for a lower monthly payment but I never approved the consolidation, I was waiting to see if the repayment options would be beneficial but they are not. Without approving the loan I know owe $ XXXX which is almost double my loan amount. The new terms of the loan call for me to make $ XXXX monthly payments for 30 years. That 's an insane amount of $ XXXX on a loan of $ XXXX that I 've already paid $ XXXX on. How do they get away with charging me 6 times my original loan amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The credit bureaus stated my account was properly investigated but how is that possible if a collection account is not supposed to have a payment history inaccurate, or a past due amount inaccurate, also it show that the collection accounts are open inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 thirty days to complete my investigation here is my certified mail tracking # 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 2016-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My daughter stole my debit card on several occasions withdrawing from my account at the ATM for a total of {$1800.00}. I contacted Bank of America and filed a claim to get the money back. I also called the police and filed a report with the police. They spoke to her and she admitted to stealing my card and withdrawing the money. My claim with Bank of America was denied for the return of the money because they said by giving her my card one time to use made her an authorized user. They also said that if she steals my card because now she is an authorized user anyone she gives it to to use becomes an authorized user. I tried to fight the decision but failed. They have not provided anywhere where it states that by giving my daughter once to use my card that she becomes an authorized user, and anyone she gives it to. Please help me in resolving this issue. My daughter is going to be prosecuted for the theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been dealing with this issue since XX/XX/XXXX. I applied to rent an apartment, and the agent to me I had to pay a larger deposit because of a collection account from, Hunter-Warfield, where I owe another apartment complex. I told her NO, I have never heard of that because I left my last apartment, XXXX XXXX in good standing with no balance owed. I have never heard of Hunter-Warfield, nor was I ever contact by them or received anything. So she says I should contact that apartment and inquire. I did exactly that, and I spoke with the Regional Manager the first time I called and he said to give him the apartment number and he could look it up by that way. He did so and said he could not find me in the system. He said to contact the previous property management, which is XXXX. I contacted XXXX by email and the reply was, " All records pertaining to XXXX XXXX were turned over upon sale of the property. You will need to speak with current management. '' Ok, so I contacted XXXX XXXX again, the new management is XXXX. I spoke to XXXX different leasing agents, told them what XXXX said, gave them the apartment numbers again, and they said I am not in system owing anything. I contacted XXXX again, and their reply was the same as before. XXXX, now its XXXX XXXX after all the back and forth with trying to clear account info up with apartment and still no resolution. I start disputing with Credit Bureaus. I asked them to contact the original creditor, XXXX XXXX, but they never do. I sent in documents where I mailed a certified letter to Hunter-Warfield. Still, no reply from Hunter-Warfield. I have the return receipt from the postal service, where the collection company signed for letter, but still no reply. I called Hunter-Warfield and the representative, yelled at me and hung up while I was talking to him. I am at the end of what to do to get the collection that I do not owe off my credit report. It makes no sense that I would not pay a balance owed, according to credit report of {$170.00}, when I was paying over {$800.00} a month rent. It almost a year and it is still not deleted from my report. I am requesting Hunter-Warfield be deleted from credit report due to the fact they failed to provide me with requested information, and conduct a thorough investigation with the original creditor. Hunter-Warfield failed to remove its collection from my report after I mailed the certified letter for them to stop reporting on my credit. Still, to this day, XX/XX/XXXX. I have received nothing from Hunter-Warfield, no cooperation from them. Please delete from my credit report. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Set up for automatic payments in XXXX. Two payments were taken out. In XXXX no payments were taken and a late fee assessed. Contacted BofA and was told that it was not set up for automatic payments, so I did it again, but they refused to remove the late fee.

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