BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
Company: United Shore Financial Services, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are working with XXXX XXXX t refinance, and have gone through the closing process all ready ( XX/XX/XXXX ). We have turned in lots of paperwork as to the temporary hold on my wife 's job, the employer guaranteeing work to resume with no loss of hours or income ( signed statements on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I also qualify for this mortgage simply on my own income. 

Today ( XX/XX/XXXX ) I received this message : We have encountered a crossroads in the way business is being done VS. Should be done. United wholesale Mortgage has issued the following statement about funding your loan : Hi XXXX and XXXX, So management is not allowing loans to fund currently where the borrower is on leave. Things are changing and management is implementing rules for borrowers on leave or deferred compensation. My initial understanding was to treat this as temporary leave but unfortunately, Management overrode my decision to do this and they are not allowing borrowers on leave to move forward with a loan. Again, I apologize for this but things are changing so quickly with borrowers employment so rules are being implemented on the fly. 



Thanks This has put us in an awkward situation because legally they should be funding your loan. We have abided by all their conditional requests ( and then some ) and they still refuse to fund the loan due to an internal rule. We have consulted the real estate attorney that owns XXXX XXXX ( the title company that closed your loan ) and he is in full agreement with us. But unfortunately the only way this company will change its ways is if consumers start complaining. '' I would like to file a formal complaint against United wholesale Mortgage as this is costing me lots of money for something that should not be held up and they simply shouldnt be able to change terms on the fly when we have complied with so many demands that are not normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2015-11-06
Company: Optio Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My wife mistakenly wrote a check from the wrong account and it was returned NSF. We immediately contacted the payee to redeposit the check and transferred the funds, which covered the entire amount. The day after the check was paid in full we were charged {$1000.00} by Qualia Collection Services ( QCS ) as a return check fee, which we have disputed. I attempted to speak with QCS to pay a reasonable return fee but the individuals I spoke with only responded that they are charging the maximum allowed by the state and that the fact that the entire amount was paid in less than 3 days did not make a difference. I was also threatened with a lawsuit if I did not pay the entire amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Hello, I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt of a small house in the country. The only problem with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt ''. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan ... denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing what I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. 

In all reality, I do n't believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate ... the proof is there. I have contacted other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: DISCOVER BANK
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Continuation of CFPB complaint XXXX

Discover Card has now taken retaliation steps in regards to the complaint recently filed against them referenced above.  After I filed the initial complaint, the company closed out my checking account which was in good standing.  I am absolutely disgusted that the response to a consumer protection complaint is to further harass and take discriminatory action against the consumer.  

I sincerely hope that the CFPB can rectify this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My checking account was hacked and on the advice of my bank this account was closed and a new account was opened. My mortgage was on automatic draft and since my account was closed my payment failed. The new account was set up and the payment was made. Dovenmuehl has added this charge to my mortgage payment. I was told to send a letter of explanation requesting that it be taken off. My XXXX statement arrived still showing this charge. I called and was told that a denial letter was sent to me but I never received it. I so told them that I could get a letter from my bank verifying and explaiNing the issue but was told that it would n't matter. I was told that they did n't have to remove the charge. I have never given this company any bad checks or had any payment rejects. 
There is clear documentation that my account was hacked. The new payment was made on time. Why is this bad check fee being added to my mortgage payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: LA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX LT- Account number XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX number XXXX, has violated my rights. 
XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX, has violated my rights. 
XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX, has violated my rights. 
XXXX  Original creditor : XXXX XXXX XXXX XXXX  XXXX Account number XXXX, has violated my rights. 
XXXX  Original creditor : XXXX XXXX XXXX  Account number The unique number assigned by a creditor to identify your account with them. We hide several digits of the account number to protect your information from identity theft. 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 furnished an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer agency may make any consumer reports containing of the following items of information. Any other adverse item 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 ) Section states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-02-28
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Several attempts to reach this company MEDICAL BUSINESS BUREA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL 6 I tried to dispute this information because I have no recollection of this event or information, when trying to contact I could never get a direct person to explain this account. Prior to XX/XX/2020I had my identity stolen and had credit cards and other information being open under my name. When filing taxes I must provide a PIN number to file taxes. This account is not mine and do not know who or what this was and I am not responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being accused of having a Discover Card debt that I did n't pay off, so Discover has turned over the account to another company ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX contacted mortgage to pay 3 months mortgage payments of XXXX. Shellpoint said they will take payment out on XX/XX/XXXX. Payment never came out. Called mortgage company who said they had a problem getting payment onXX/XX/XXXX. On XX/XX/XXXX i sent payment via certified check. After talking with my advisor they told me that is all I had to pay and they would then take rest of payments owed plus cost and put it in a 6 month period. On XX/XX/XXXX I called to inquire about the repayment and was then told that the money sent was being returned because it was not enough and was being returned. Trying to find out exactly what I need to pay, which he never told me, I was told to send one month of paychecks and to visit there website for additional help. When I went to website I was having technical difficulties so.i sent them an email on XX/XX/XXXX. I still have not received a response. I also left a message for my my main advisor on the same day. I still have not received a response from either. I called on the XX/XX/XXXXand was now told I have to pay XXXX after I am hopefully approved for the repayment plan and shouldn't have sent anything until I was approved. I am wondering why I wasn't told this back in XX/XX/XXXX when I was first trying to correct this situation. 

Now it has been 3 days and once again I still have not heard anything on what my Payment should be. And since the Payment seems to go up XXXX dollars every week and I expecting them to tell me I owe the XXXX before I hear from them. 

I feel as if Shelllpoint mortgage company is trying to sabotage me and not trying to help me. 

Thank you XXXX 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 2020-02-28
Company: Experian Information Solutions Inc.
State: VA
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 submitted a dispute to remove the bankruptcy chapter XXXX I filed in 2010. The item should be deleted iat 10 years. 
I made the same request to XXXX XXXX and it was removed.

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 2017-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureau is incorrectly reporting a " XXXX XXXX '' account on my credit report. According to my credit, it was opened in XX/XX/XXXX for a debt of {$1300.00}. The account number is : " XXXX ''. I have never had any business dealings with this collection company. I do n't know who they are or why the credit bureau is reporting that I have a debt with them. This is not the first time I have disputed this account, I have sent written disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this removed but time after time, the credit bureau has dismissed my disputes as frivolous and they refuse to remove this from my credit. I want to add that XXXX has no record of this account. When I sent the same dispute, it was confirmed that the account did not belong to me and was promptly deleted. How can there be a different result for the same investigation between XXXX and this credit bureau? This does not make sense. This is why I am taking my complaint to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted more than 3 official requests to have information corrected, deleted or marked dispute along with documentation supporting my claims to all XXXX of the major credit reporting agencies. All but one, Experian has dealt with the issues in question. They have refused to update or delete the disputed items. 
I have been trying to dispute these items for over a year now and this is a clear violation of the fair credit reporting act. The information is not accurate and documentation has been provided to support my claims.

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 2022-05-05
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Submitted CFPB complaint reference to a fictitious XXXX account in my name. I have submitted disputes to XXXX of the credit bureaus with no action taken. This debt with XXXX was not authorized by me. My wife and I were living outside of the XXXX for over XXXX  months starting in XX/XX/XXXX thru XX/XX/XXXX. I have never had a XXXX account ever in life. The carrier we have used for XXXX  years has been XXXX. Convergent claims a fraud packet was mailed out on XX/XX/XXXX. I have not received such a packet and it's been XXXX weeks. I have a lease and passport stamped to prove my claim. This inaction is causing my credit score to decline. I don't think the have a current address and are sending things to an old address in XXXX, XXXX. I moved from that address on XX/XX/XXXX when we sold our house and moved to 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 2020-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This credit card company has been adding overage fees and other fees every month. There has been charges made to my account last year that doesn't belong to me. I have made a payment of {$45.00} or more made every month. However, my balance has become unmanageable due to all the extra fees being added monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
sent the police report of the ftc violations please remove the ftc violations XXXX  XXXX capital one 4 late payments were b/c of the ftc violations If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

which they all did and in violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
sent the police report of the ftc violations please remove the ftc violations XXXX  chase XXXX  XXXX 4 late payments were b/c of the ftc violations If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

which they all did and in violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am requesting an investigation against Experian credit bureau for deceived innocent and honest people by tricking them to pay money to them for generating their credit report and score. I paid them a few times because they said after paying I will be able to see my report and score, but unfortunately after paying with my credit card they said I don't have enough credit history or no credit file. This is from since last year until now. first they said after three months then when I called again they said after six months and now after six months they are saying I have to pay again before the system could generate my credit report and score. I have five credit card account on my credit file on XXXX  and XXXX XXXX from last year. 
I would appreciate if the government could really do something to stop these kind of corruptions and fraud by this credit bureau. thank you. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX  EQUIFAX XXXX  ALL IN MAJOR VIOLATIONS OF THE Fair Credit Reporting Act WONT FIX AN ITEM REPORTED TO THE POLICE OR FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
sent the police report of the ftc violations please remove the ftc violations discover XXXX  XXXX  XXXX 4 late payments were b/c of the ftc violations If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

which they all did and in violations

Company response to consumer: Closed with explanation