BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: Lockhart, Morris & Montgomery Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was sent numerous collection notices for {$6100.00} that at the time I did not know how to dispute until now. I contacted the debt collection agency ( Lockhart Morris & Co ) on XX/XX/2022 and the representative could not locate my name or the collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Guild Mortgage Company LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've contacted Guild mortgage multiple times to address bringing my past due mortgage current. I contacted them on XXXX XXXX two times and had a question regarding unapplied funds and partial payments. In speaking with both agents, when asked about this issue they seemed to be uneducated. When I asked why I would not be able to make partial payments, or use the money which is in my suspense account to make a full payment, I received basic answers like this is just a policy. The second agent I spoke with continued to talk over me, rather than listening to my actual question. I was unable to get any answers as to why I can not make a partial payment to make up a full payment using the money which is in unapplied funds. I wanted to know if this is an FHA loan guideline, or a company policy. Neither agent could sufficiently answer this question. It seems to me that if I have money in unapplied funds, and I have enough to make a full payment using MY MONEY, that is sitting in unapplied funds for that exact reason, I should be able to do that. Neither agent could calmly answer my question, and both became confrontational without listening to me. If this is an FHA guideline, I 'd like to be advised of that. If this is a company guideline, I would have asked to speak with a supervisor who would be able to override this nonsense rule. 

Also, I was on hold for more than 20 minutes before being able to speak with an agent. I understand it is the last day of the month and a lot of people are getting payments in, so I understood that, but feel it is worth mentioning considering I used to work for a loan servicing company and whenever our Average Hold Time ( AHT ) was over 2 minutes there was panic in the office to get on the phones, and opportunities to work overtime. We do n't want people waiting that long!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2022, I disputed a charge from the gas station of {$55.00}. Capital one credited the funds back to my account. On XXXX XXXX capital one debited my account {$55.00} for the same transaction claiming they needed a receipt from the gas company even though the same information was on my bank statement. Then, on XXXX XXXX I made a payment to capital one credit card using my capital one bank account ; I transferred funds from savings to checking to pay my bill. A week later I find out the payment was never received mean while my bank account was charged. A few days before that incident I noticed my checking accounting was negative {$47.00} I then transferred {$60.00} from savings to checking to cover the balance. I noticed no transaction on my account was actual negative however the bank wiped away {$60.00} my new balance was {$17.00}. If the amount was in fact not showing a negative balance the available balance wouldve posted {$60.00}, not {$17.00}. The bank has failed to resolve these issues and theres more. Ive called them many times in a week they provide excuses, have been rude to me by arguing about the balances and transaction details ; also the companys bank manager has provided a negative customer service experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We tried to do a loan modification in XXXX. We went back and forth with freedom mortgage to get a loan modification for 3 years. They're was always an issue of the documents being expired. We started to send in updated documents once in review but never had anything resolved. We even did a bankruptcy that became costly because the monthly mortgage kept going up. When that fell through we did a forbearance that expires XX/XX/XXXX. We will have to go through the same process again to get a loan modification that never goes through. By them putting off the approval for modification, fees are constantly adding to the principal. 4 years of late fees have accumulated causing the debt to go up to about XXXX in late fees.

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 2022-07-13
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called Nationstar/Mr.Cooper mortgage company on several occasions trying to provide a corrected property tax bill ( XXXX ) when I submitted the bill their tax department continues to enter the wrong amount ( XXXX ) which gave me an overage in my escrow account of ( XXXX ). When I pointed this out and submitted the correct tax amount the company stated they would update this to reflect the correct amount. They mailed me a check for the shortage and I explained to them it was incorrect. 

Mr. Cooper rep then stated once I get the check to put the check back in escrow since the correct property tax amount would leave a shortage. The check finally came today on XX/XX/13. the money was refunded back to my escrow account and now the amount for property tax is showing ( XXXX ) AGAIN! this is wrong! it should be ( XXXX ). I have asked to speak to a manager several times to make sure this gets updated with the correct mortgage payment amount so I don't 1.Underpay my mortgage 2. Mr.Cooper sends the 2nd installment of my property tax correctly. 

I need to make sure Mr.Cooper updates my property tax bill correctly with the correct amount and sends the correct amount to XXXX XXXX for ( XXXX ) I have made a total of 6 phone calls so far. I have never experienced such a incompetent mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: D&A Services, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A debt collection company has called repeatedly leaving messages with family/friends saying that they are calling from D and A Services ( or DNA? ) to collect a debt and information to return the call. I, as well as family/friends, contacted the company and requested that they stop calling. They have not. Also, they do not always state who they are attempting to contact regarding this alleged debt, I believe intentionally, in order to have my family member ( s ) return the call. They have also given out private information such as my name, the amount of the alleged debt, and also ask for my contact information. This has been very annoying, frustrating, embarrassing, not to mention illegal. They are just flat out completely ignoring all requests to stop the calls. I do not know what else to do other than file a complaint and talk to an attorney. It is apparently a useless waste of time to continue requesting that they stop calling so I am hoping that this complaint will help. Thank you for taking the time to read my message and for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had a XXXX  gift card for {$500.00} through Blackhawk Network XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX. I activated the card in XX/XX/XXXX and it immediately was hacked. There were several small charges from XXXX adding up to {$500.00}. I was not aware of this until I went to use the card an hour later. I reached out to Blackhawk Network right away, and was told they would dispute the charges and I'd be refunded. I reached out a couple of times to be told it was still being worked on. On XX/XX/XXXX after reaching out a 3rd time I was told the same thing and also received the email from them attached stating it could take 30-90 days. 
I had not heard anything further and called them again today XX/XX/XXXX and I was told by XXXX there that the case was closed/resolved on XXXX and that I was being sent a refund of {$180.00}. 
1. I had no idea that it was " resolved '' on that date. Was never notified.

2. The amount was {$500.00} not {$180.00} XXXX informed me that that's all that they could dispute and since so much time has passed they could not dispute the difference that I am still owed. So much time has passed because THEY took so long and never sent the portion of the refund stated above, nor notified me of this. How do I get the remainder of the funds back?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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: Information belongs to someone else

Complaint:
I recently looked at my credit report and noticed there were fraudulent accounts on my credit report. I have listed these accounts that I have 0 knowledge of and do not recognize these. I would truly appreciate that these are blocked and removed from my credit report. As I need to get approved to get into an apartment.

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 2017-05-28
Company: EQUIFAX, INC.
State: TX
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 contacted equifax on  XXXX   XXXX  ,2017 in  regards to credit inquiries that I did not authorize and did not recognize. I spoke with a representative and explained to her that I contacted equifax a week before because I was having a difficult time accessing my reports, I was informed that someone by the name of  XXXX   XXXX  was attached under my report and social security number. The representative at that time requested for me to send in documents to verify my identity my social security and a copy of my drivers license which I did as requested and they confirmed that they received them. I asked the representative if she could look in to the credit inquiries because at this point I was worried about identity theft, and equifax refused to investigate in to this problem and informed me that they could n't because this was an actual fact of statement, and me as the consumer would have to do the leg work and contact these creditors that pulled my reports. I even spoke with a shift supervisor and asked him if under federal law under the FCRA do n't they have to investigate if the consumer request and he said even still that I would have to get in contact the creditors my self and the only thing he could do is add a fraud alert to my credit report. Which I did. I fell like they should abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a a complaint requesting that Credit Bureaus reinvestigate the disputed accounts from my credit report as well as FIXthese accounts from my report during the investigation period. As of this date, they have failed to respond to my request.The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} DP OF EDUC XXXX Balance Owed : {$57000.00} DP OF EDUC XXXX Balance Owed : {$71000.00}

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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Sent Transunion a dispute pertaining to public record on XX/XX/2020. 
Sent Transunion additional information about public record on XX/XX/2020 and that it should not be reported on credit report and deleted immediately. 
Transunion sent me a receipt letter on XX/XX/2020 stating that they received the dispute and additional information and that they would extend the investigation time and do a proper investigation. 
Transunion did not follow through and complete a proper investigation. 
Transunion stated that they verified a bankruptcy being reported on my credit report with USBK COURT XXXX GEORGIA with investigation results dated XX/XX/2020. 
I conducted my own investigation and found that the Bankruptcy Court does not furnish information to vendors and third parties about bankruptcies because doing so would require the courts to provide my full social security number which is against the law. 
The credit bureaus verify public records through XXXX a third-party furnisher and I have no public record of a bankruptcy being reported in XXXX. 
So, how is this bankruptcy verified when the courts does not furnish this information to vendors or third-parties?

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 2020-10-24
Company: Cedars Business Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX charged me {$210.00} XX/XX/1929 and they did not talk to me about my rights that I could dispute. XXXX XXXX  sent the funds to be collected to cedar business now XXXX is due

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
From XX/XX/2021 Ive been disputing this charge on my Best Buy credit card with city they asked me for information I provided those information but still yet the charges is still on my account and that collection is calling my phone each time I call them theyre telling me its still underneath investigation from XXXX till now which bank in the world is disputing a charge for five months after they got information my attorney want me to take legal action with the bank because they are playing games I am in my rights to do such things because they are really playing games to protect a business while they should be taken protecting the customer

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 2021-08-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax constantly obstructs managing a security freeze of my Equifax credit report. Unlike XXXX and XXXX who allow 7x24 online access to manage my security freeze, Equifax only permits a phone call to XXXX during weekdays between XXXX XXXX. and XXXX XXXX. ( ET ), Monday to Friday. I work during those days, so I am unable to contact Equifax by phone and unable to temporarily lift my credit freeze. Equifax she limited hours and contact method prevent me from applying for new credit and banking services. Please require Equifax to have other methods and weekend hours for managing a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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 the following have violated my rights. XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX 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 a 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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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, 1. XXXX - XXXX XXXX XXXX  ; 2. XXXX XXXX  XXXX XXXX 3. XXXX - XXXX  XXXX  4. XXXX - XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX - XX/XX/2022 9. XXXX  XXXX XXXX XXXX XXXX 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 2022-07-13
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX, a federally protected consumer, and I am filling this complaint against all three credit reporting bureau ; EXPERIAN, XXXX, AND XXXX for willfully furnishing inaccurate information to my consumer report. According to Congress, the banking system is dependent upon my consumer report being fair and accurate, and it is not. I have been in correspondence with XXXX XXXX XXXX regarding an account in collections. As of XX/XX/2022, XXXX XXXX XXXX has notified me that they have notified the credit bureaus to delete their tradeline ( SEE EXHIBIT B ). It is XX/XX/2022, and these collections are still reporting across all three credit reporting agencies ( SEE EXHIBIT A ). This is unacceptable and this grave error has undermined my confidence in these companies ' procedures. Not only is this inaccurate information cause my credit score to be decreased, it is INACCURATE!!! This is hindering me from acquiring property and services. This is extremely stressful during this COVID 19 pandemic. As a result of this, I will no longer be extending credit and if this negative information is not removed IMMEDIATELY, I no longer want my information reported in these companies ' databases. And I am fully aware that I have the right to opt out, which disclosure was never given to me ; another violation of my federally protected rights as a consumer. These companies did not exercise their grave responsibilities with fairness and impartiality. Congress has also made it abundantly clear that consumer reports should not include transactions between the consumer and the person making the report and the FTC defines collections on consumer reports as DEBT PARKING. This account should have never been reported to my consumer report in the first place. At this point it's WILLFUL NONCOMPLIANCE. Attached are also my utility bill and drivers license for identification purposes. Prompt response to this grave matter is requested and required.

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 2022-03-18
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hi, I have filed complaint a few months ago regarding NAVIENT my student loans that recently rolled over to XXXX XXXX. But that was for my Dept of Education loans. My problem with Navient right now is, they were supposed to transfer all my loans to Aid Advantage, but they are telling me only Dept of Education was transferred to Aid Advantage. There is a pending payment of {$1400.00} in my Navient account now that they want me to pay. They are telling me this is private loans from XXXX XXXX  XXXX XXXX that I attended. I never got private loans from that college. They do not even offer that type of loans except FAFSA. So back on XXXX  I paid {$3500.00} fully paid for that college. None of the loans company recall I paid such a thing nor can not see this amount has been paid. But I took a screen shot of that before Navient transition to XXXX XXXX. I do not understand what is this {$1400.00} amount that Navient wants me to pay came from and which loan it is and they keep saying if Private loans from XXXX XXXX  XXXX XXXX! This doe not make sense to me! They are keep changing stories. I do not even owe them nothing and they are charging me interest already on top as well! This company is full of corruption and they have no idea what is going on. I spoke with aid Advantage as well and they told me Navient is the blame. I am like ok, I will contact you guys to be investigated. Please help me understand what is going on as I am about to get a lawyer if no results come out of this as these seems to be so corrupted to me. 
Please advise. 

Thank you.

Company response to consumer: Closed with explanation