BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-09
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I sold a property and have a signed contract on another property in accordance with XXXX Tax free exchange guidelines. A credit report was authorized on XXXX/XXXX/2016 as part of my pre-approval process. I applied for an investment loan on XXXX XXXX, 2016. I provided all requested documentation for the loan application. The loan package went to underwriting on XXXX/XXXX/2016. The loan was approved on XXXX/XXXX/2016 and is attached as documentation. Appraisals, pest inspections, home inspections, insurance, attorney work, title work, etc. are all in process or completed. Closing was set for XXXX/XXXX/2016. The underwriter requested additional existing loan documentation which I provided on XXXX/XXXX/2016. The next day which was the day before the closing was scheduled I was told that the loan may be denied because I have more than XXXX loans and do not fit into the guidelines. I did however receive a loan estimate on XXXX/XXXX/2016, so, I thought the issue was resolved. On XXXX/XXXX/2016 they said they will deny the loan and for me to look for an alternate loan provider. Their XXXX hour denial has placed me in a position of losing : the house purchase, my escrow money, my prepaid purchase expenses, my time and effort, AND the substantial XXXX tax consequences since I can not identify or purchase additional property within the strict XXXX Tax free exchange guidelines. I have provided full disclosure on my position and they have mishandled this loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: ZARVAD III S.A.
State: SC
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I placed a cesase order with PayDay Loans and they tried to continue to debit my account with XXXX XXXX XXXX, which require me to close my account. The Lender has submiited the debt to a third party collection agency XXXX XXXX XXXX XXXX XXXX XXXX NY who has harrassed my terminally ill husband home, threaten me with legal action advising me I needed to appear in my county court house in XXXX hours, contacted my place of business XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
CHEXSYSTEMS IS REPORTING A ACCOUNT FROM A DEBT COLLECTER ( XXXX ) .THAT FILE HAS BEEN DISPUTED AND CLOSED, WITH XXXX. XXXX IS NO LONGER, AND THE OTHER XXXX COMPANIES, XXXX XXXX SYSTEMS AND XXXX CALLERS XXXX DOES NOT HAVE IT ALSO. THEY DO NOT SHOW IT BY MY ACCOUNT NUMBER OR MY SOCIAL SECURITY NUMBER. I AM TRYING TO HAVE IT REMOVED, SO I CAN JOIN A CREDIT UNION.THIS SHOWED UP AT THE CREDIT UNION.ON BEHALF OF CHEXSYSTEM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XX/XX/2015, Financial Management Solutions, a collection agency, contacted me on my personal cellular about an outstanding debt they claimed I owed. Among other things, they failed to send me a 'Dunning Letter '' within 5 days of contact in regards to their attempt to collect the debt they insisted I owed which would have allowed me my right to dispute within 30 days, as well as violates my rights under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]. In addition, Financial Management Solutions also violated the Fair Credit Reporting Act, by reporting this debt to the Credit Bureaus before allowing my 30 day right to dispute period.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: CITIBANK, N.A.
State: CA
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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

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 2015-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
About inspection fee. I called bank of America to let them know that I will be late on my payment before the due date about XXXX days before they should send any body to inspect my home. But they charge me for that which is not right. If I did not call they can charge me but I called already, they should not send any one to inspect my property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Little over 2 years ago I applied and received a loan mod for my FHA loan. I completed the trial period and was able to pay the loan on time. In the meantime I was no longer able to work due to a XXXX. I applied for XXXX, the waiting period for a court date was 2 years in itself. In the meantime my house hold income was also reduced because of a separation with my wife ( which is still the case ) reduced my monthly income, disallowing me to make partial payments to catch up my arrears. While I was waiting for this I was borrowing money from my parents to pay the mortgage in the interim. I did finally receive my XXXX last XXXX, 2015. I had to use my back pay to pay back my parents the money I owed them and still needed to pay more back to them. I ended up getting behind once again after 5 months or so as I was still paying everyone back. Once I started to get behind ( XXXX payments ) I immediately applied for a loan mod from BOA. During the pre-screening of qualifications they asked a series of questions. I also made clear to them that I did not know if because I had a mod. less than 2 years prior would I still qualify, based on that soley they said yes I would. 
A year went by they continually added hoops to jump through and in fact put hoops I had already jumped through in front of me again. At the end they said I did not qualify for a mod because it had been less than 2 years! Now I am at a point which I have to file for Chapter XXXX to catch the arrears up on my house. If they had told me from the beginning I did not qualify based on the initial information I could have went forward with the chapter XXXX and made it much more affordable to pay this back.

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 2016-11-28
Company: Incomm Holdings Inc.
State: NY
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
In XXXX of 2016 I used a " XXXX Gift Card '' with a total value of {$250.00} to purchase a product and a XXXX service from XXXX XXXX located in XXXX, New Jersey. The balance on the gift card after the purchase and spa service was {$160.00}. I then used the card once at XXXX XXXX Jewelry in XXXX, New Jersey for watch repair in the amount of {$20.00}. This left a balance on the gift card of {$140.00}. In XXXX of 2016 I attempted to use the card to pay a portion of the cost of new eyeglasses and much to my surprise, the balance on the card, instead of being the {$140.00}, was instead {$34.00}. I was stunned because I had not used the card since XXXX of 2016. I pulled up the account history on the XXXX XXXX Gift Card website and discovered that XXXX had been deducting {$19.00} from my gift card each month for a total deduction of {$110.00}. These deductions were not authorized by me. I contacted XXXX and they claimed they knew nothing about any unauthorized deductions paid to them and that I should contact the XXXX Gift Card Customer Service Center. XXXX XXXX refused to refund the fraudulently deducted funds. I contacted the New Jersey XXXX and a few weeks later they responded to my complaint stating that they tried to contact XXXX but were told the company was out of business. That is not true. The XXXX is still in the same location and still very much in business. I contacted the XXXX XXXX Gift Card Customer Service department in XXXX and filed a written explanation of my complaint. In XXXX I received a letter from XXXX stating that they were unable to recover the funds. This seems to be a scam to me as I did not authorize the monthly deductions from my gift card and have not been back to the XXXX XXXX XXXX since XXXX 2016. Attached is a copy of the Account History showing the unauthorized deductions, the letter from Income which runs the XXXX XXXX Gift Card complaint department and the Chargeback Rebuttal Info sheet whereby XXXX states to Inc that services were rendered which is completely false. XXXX reimbursed me the {$34.00} " balance '' left of the card when it was deactivated in XXXX of 2016 but I am still owed the {$110.00} that was fraudulently deducted from my card without my knowledge or approval and for which NO SERVICES were rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already sent multiple letters to the credit bureaus addressing the billing errors that is appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX XXXX : {$21000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: NELSON AND KENNARD
State: OR
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collection firm is Nelson & Kennard operating out of XXXX, CA. 

I initially discovered something was wrong when I logged in to my bank account and discovered that my balances for checking and savings were zero. Upon looking at my transaction history, I discovered that my entire balance on both accounts had been taken out on a legal order. 

Upon contacting my bank, I was given a phone number which led me to the aforementioned firm above. They told me that I owed a debt of around XXXX XXXX dollars to XXXX for a car purchased back in 2004. I am only XXXX XXXX XXXX and would have been XXXX at the time this vehicle was purchased. I tried to explain this to the firm and they asked me to send them images of my driver 's license, social security card, and to write my signature five times. I did all of this and they still told me that I would have to wait for a fraud packet to be mailed out to my house so that I could fill it out and mail it back before they could take the " next steps. '' I do n't understand how they could have pulled all of my money out of checkings and savings for a debt that I have clearly proven that I could not have even accrued. I do share a similar name to my biological father, who left my family when I was young and has been known to try and use my name in the past ; with the only difference being that I have XXXX as my suffix. I do n't see how it is even legal for this firm to have withdrawn all of my money without even notifying me of it first. 

On top of that, I still have bills due that I am now unable to pay because of this debt that is not mine. My account balance has already been thrown in the negative and on top of that, the firm also appears to have charged a non-refundable {$120.00} legal fee which is absurd. There is no reason for me to not be able to get that fee back when this is not a debt that is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$310.00} with a collection Agency without knowing the name of the previous company.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX violated my rights I sent a letter off on XX/XX/2022 my tracking number is XXXX. 
To remove personal information that I don't want on my credit report. According to the fair credit reporting at 12 USC 1681.| have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third- party people. 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not report an account without my written instruction. 

These are clear violations of my federally protected consumer rights.

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 2016-11-03
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
PLEASE USE THIS COMPLAINT AS OPPOSED TO CASE NUMBER XXXX. 
I added the word CONSUMER to the complaint question. 

I would like Third Federal Saving and Loan to respond to this question ONLY I am a woman ( NOT AN ENTITY ) who participated in ***CONSUMER*** CREDIT TRANSACTION soley for PERSONAL, FAMILY AND HOUSEHOLD PURPOSES, please explain in detail, how the [ Promissory Note/Note/Financial Asset/Security Instrument ] ended up in a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Servis One, Inc., Titusville, PA Branch
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
About XX/XX/XXXX XXXX XXXX made a predatory loan to me on my home. It was a negative amortization loan which I did not understand. The balanced balooned to $ XXXX when XXXX bought XXXX. I submitted multiple modification requests to XXXX and later XXXX. None were accepted because they kept claiming they lost the paperwork. XXXX sold the note to a hedge fund after a failed attempted short sale. The hedge fund located in XXXX, XXXX has refused various modification proposals and a refinance that I arranged through XXXX XXXX XXXX. They kept litigating to foreclose and take the property away from us. I declared bankruptcy on XXXX XXXX, XXXX and have bought some time but not much. BSI Financial the servicer refuses to cooperate as well. They have given me the run around. My loan number with BSI is XXXX, The loan is under XXXX XXXX. I invested {$450000.00} ( probably more than the hedge fund ) in the house which I bought for $ XXXX in XX/XX/XXXX. The original mortgage was $ XXXX. I got laid off from my job in XX/XX/XXXX from XXXX XXXX but kept up my payments until XX/XX/XXXX. Recently as I expressed to BSI Financial, my income is $ XXXX/month yet they refuse to modify. I also have a commitment from XXXX XXXX XXXX for a {$750000.00} new mortgage which they also refuse to consider. I need your help. We are hard working Americans and I was a XXXX XXXX and have an XXXX from XXXX University in XXXX. The market has been very bad in XXXX but we have been able to survive. I need you to set things right so we do not lose our home. I have XXXX children and have been married for 20 years and together with my wife 30 years. Please help. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Pacific Rim Alliance Corporation
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
After paying on this loan since XXXX of 2014, I would call just to find out that the amount of the loans continues to stay around the amount the I borrowed. I was not under the impression that the payment that I make every payday most if not all is going towards the payment. I came to find out that it 's only paying towards the interest.

Company response to consumer: Closed
Consumer complaint received 2016-09-16
Company: AMA Advisors, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Homebridge contacted me about a missing payment in XXXX, at first they told me it was my XXXX XXXX payment, which i paid to them, then they contacted me again a week after and told me that it was my XXXX payment. At this point i started getting worried because I 've never experienced this kind of negligence before from a financial company. I gave them my bank statements from XXXX - XXXX XXXX. Then they contacted me again and finally said it was my XXXX XXXX payment. Mind you between XXXX XXXX and XXXX XXXX, I had gotten calls from them whenever i they have n't received a payment from me on XXXX of every month. And after making payment, they will tell me that my account is current. at no point in time between XXXX XXXX - XXXX XXXX did any one from their company called me to say i have n't made XXXX payment. And my statements reflects that. I sent to them all my Bank Statement showing that payment went out of my account. After almost one month of going back and forth with Homebridge, we finally found out that they didnt get the payment from Bill Pay. Whatever happened between Homebirdge and Billpay, I dont know because BillPay paid my other bills but not Homebridges '. If Homebridge had contacted me on time about this in XXXX, we wouldnt have this issue because we would have gotten to the bottom of it. I submitted all my bank statement which my bank statement reflected that the money was taken out. for some reason, they didnt want to honour that. Then in XXXX they reported that i was late in XXXX for 60days, XXXX, XXXX, XXXX and XXXX days. The question i have is how was i able to pay on time in APR, but then late again for the rest of the months? I did a dispute with XXXX and XXXX. XXXX removed their reporting because they found out that they were at fault. For some reason, after i talked to XXXX, they told me that they understand my plight ; however, they can only remove it only if Homebridge told them to. To me that sounds crazy given i thought credit bereau is suppose to be a middle man between me and the lender and look at the facts. I have all my bank statement ready to submit them thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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: Reporting company used your report improperly

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

15 U.S.C. 1681 section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without written instruction.

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 2022-06-02
Company: EQUIFAX, INC.
State: SC
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:
I have some inquiries that I didn't authorized on my credit report and unaware of. 
Inquiries : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation