BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-08
Company: Prime Source Mortgage, Inc
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was refinancing XXXX of my XXXX properties with Prime Source Mortgage in XXXX, CA. They approved, then denied my applications, then approved XXXX of the XXXX. I decided, I no longer wanted to work with this company and moved my application to the Broker I was working with prior to Prime Source Mortgage. My loans are approved with XXXX through the broker XXXX XXXX. The lender has requested to have my appraisals transferred, that I paid for. They will not transfer. Prime Source Mortgage has indicated that they have proprietary ownership of my loans? They are refusing to release all XXXX of my appraisals to the lender I have chosen to work with. How can a lender stop me from choosing to work with someone else?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: ProCollect, Inc.
State: TX
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:
My previous apartment wrongfully placed us on collection without us being notified about it. I went into contact with the apartment and they agreed to settle and remove the collection they had placed on me because it is a fault on their side since i gave a move out notice complete with the my new address and phone number but i was not contacted. Several weeks goes by and my apartment said it has been taken care of but the collection is still showing on my credit report and i have tried to contact the collection agency many times they just keep saying they ca n't access the account # and send me to voicemail of some guy which never calls me back after me leaving messages

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To Whom it may concern : I recently opened a checking account with Key Bank and received a letter in the mail this weekend that my account is being closed per their " Deposit account agreement and funds availability policy. '' I went to the local branch and they could not answer what this was about as they saw no unusual activity on the account. In fact the only unusual event was that my opening deposit I submitted online from My XXXX XXXX account entered my Key account but was sent back to XXXX XXXX. After this every electronic transfer was fine and had no issues ( the bank branch could n't explain that either ). 

I 'm more concerned I called the depart I was advised to call and they were unable to provide anymore information than " the account was being closed per the policy. '' How can they close an account with no explination to the consumer? I have a right to know what is going on and why they were taking that action. 

On another note I want answers because my tax refund was paper filed this year due to my wife 's XXXX status and being a first time tax filer. My refund is scheduled to enter the Key Bank account however it will no be closed by the time they submit my refund. This is a problem as I can not change the bank account information after filing and Key will not explain anything to me. I am afraid I will never get my tax refund back at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent a WESTERN UNION transfer to a SR. ATTONEY and he said he did n't get it and WESTERN UNION said it was paid correctly and I just received the letter from them stating it. and if you want me to FAX a copy I WILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On Thursday we sent {$8000.00} by Western Union to XXXX from our local XXXX grocery store. They said it was no problem. Western Union on Friday said it was over their limit and canceled the transaction. The big issue is that XXXX ca n't pay back the {$8000.00} because their payout limit is only {$4500.00}. We went to XXXX locations and called on XXXX others and still can not locate anyone who can pay back our {$8000.00}. This is now Saturday and we have made XXXX calls to Western Union, all we get is constant transfers and every time we need to re-explain what is going on. Every time they look up the same locals we have already visited or called. It seems we are going to have to hire an attorney to get our money back. How can you let companies operate like this. They should not be allowed to accept more than they can pay out. They get cancelations all the time and should not be allowed the accept a money transfer greater than the amount the location can pay back. Another issue is that the stores, western union agents, do n't know how much each country can receive. The max limits should be posted and easily identified and the store agents should also be responsible for knowing these or for looking them up on transactions over {$1000.00}. At this point it appears we will need to go to an attorney to get our money back but the agents should have a policy of not takin g in more than they can get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
My name is XXXX XXXX : I am writing because I have not been able to use Western Union nor XXXX to do money transaction here in the State of Pennsylvania as I have been doing money transactions with these XXXX companies for several years up until XXXX XXXX of this year. 
I had received refunded my money back and will need to do a transaction again in XXXX and I want to know for sure before that time I will be able to use either XXXX before that time. The resolution is that I can go to any Western Union store or a XXXX XXXX store to do money transactions without being interrogated by the clerks at these stores. 
Thank you in advance as I received your latest email saying that the XXXX was still being investigated and I would rather use WESTERN UNION or XXXX as I do them in person but would like to be able to do them on the computer. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 I mailed a validation letter to Phoenix Financial Services for a debt that they claim I owe them. I noticed it when I pulled my credit report recently, therefore I sent a validation letter requesting more information the account they claim I owe them. On XXXX XXXX, 2015 I received a letter with information related to the account with insufficient information. The statement attached to the letter does not provide detailed information such an itemized or details of services. The statement date is as of XXXX XXXX, 2015. Lastly, I have never been to XXXX XXXX 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 2015-04-22
Company: US MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Hi and thanks for your time ... we recently refinanced in order to take advantage of the reduced FHA monthly MI premium and move from 5yr ARM ( originated with same lender about 12 months prior ) to a fixed product. The monthly savings are less than {$100.00} but the silver lining was ARM to Fixed. The day before closing I received the following e-mail : XXXXXXXX , Funds to close is $ XXXX escrow return is {$4400.00}. 
Sorry about the funds to close but the difference it is made up in the escrow return. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXOffice : XXXXTollFree : ( XXXX ) XXXX ext.XXXXFax : ( XXXX ) XXXXXXXXXXXXwww.usmortgage.com XXXX $ XXXX at closing to save less than {$100.00} per month is a lot but the promise of the escrow refund made it tolerable. 
A few weeks later the escrow check was received in the amount of {$2200.00} ... big difference. 
We closed XXXX/XXXX/15 and I have been going back and forth with the lender to figure out what happened for the past month and every contact ends with let me look into it and I 'll get back to you ... then nothing until I reach out again. 

We think we were misled and I ca n't say for sure but I do n't know if we would have gone forward with the transaction without the inducement of the {$4400.00} escrow refund. 

Do we have a legit complaint? 

Thanks again for your attention to this matter. Any guidance you can offer will be appreciated. I 'm sick of going back and forth with the lender and then being ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Monarch Recovery Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Monarch Recovery Management leaves robo calls every day on land line regarding a debt that is not mine. I do not recognize any debt. They do not communicate in writing. They harass me every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: The Eastbrooke Group LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Unknown caller ID # calling, an " investigator '' calling ; she said was from the Eastbrook Group and made it sound like it was a legal case and if I did n't call her back in 72 hours I would forfeit " the legal remedies '' ... The call back # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a charge off with XXXX that ended XX/XX/2011. The lender is reporting the charge-off every month as a current status known as re-aging which is illegal. Equifax refuses to make the lender comply with the Fair Credit Reporting Act FCRA 623 ( a ) and remove all " CO '' status on credit report after XX/XX/2011. Re-aging causes a negative account to appear more recent. The more recent the charge-off appears to be, the more detrimental to my credit scores. Re-aging also causes an item to stay on my credit report longer which is illegal. The Fair Credit Reporting Act states : " The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. '' I am writing to dispute XXXX on my credit report with Equifax. The amount and current monthly status listed on the account is incorrect. I request the account be deleted immediately for compliance with the Fair Credit Reporting Act and FTC, and Consumer Financial Protection Bureau ( CFPB ) from my Equifax credit report. Both XXXX and XXXX are reporting the account correctly. Please see attached. If you look at the other charge-off accounts you will notice they are not reporting with " CO '' every month. I have highlighted this account and another that is reporting incorrectly. Additionally, I highlighted XXXX, XXXX XXXX XXXX, and a couple of that are reporting correctly so you can see the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have been using Western Union to send money to friends for years.All of a sudden I have been blackballed from using their services..I am not allowed to send or receive money, I asked why and was told they wanted a photo copy of the persons ID I told them a photo ID was shown at the time of my friend receiving money as well as mine being seen to send money.The transaction was still denied.I was asked for more information which I provided, my place of work, my pay stub, the reason why I was sending money, I was still denied.I never did anything to deserve this. .They have not given me any reasonable or sensible explanation.I only get its their privacy policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in review for a loan modification for quite some time now. My loan transferred to Bayview Loan Servicing XX/XX/XXXX, when I submitted a loan modification to them. I have been back and forth with them in submitting documentation continuously. More specifically, I have been informed by multiple representatives that my file had been in review and was with their Underwriting Team since XXXX/XXXX/XXXX ( that 's how they were able to postpone the multiple sales on my account ). On XXXX XXXX, i received a call from the representative with Bayview and was advised that my file had still been in underwriting and the sale date which was originally scheduled for XXXX/XXXX/XXXX was placed on hold. I called on back on the date of XXXX/XXXX/XXXX to see how things were going with my review and was informed that my home went to sale earlier that morning. Unbeknownst to me, i was complete shock since i was just notified that my file was with their underwriting department and advised my sale was placed on hold. I asked to speak with management and was told they would need to call me back. I didnt receive a call back for a couple days only to receive a denial letter dated XXXX/XXXX/XXXX ( after the sale took place ) that my loan modification review had been denied. The manager contacted me on XXXX/XXXX/XXXX and i was told that that they had made a mistake and that they would be rescinding the sale but that it would take about a week. They then told me that it had been denied for the HAMP modification program but that it would be approved for an in house. They advised the home went to sale to a 3rd party but they would be contacted to let them know that the sale would be rescinded. I followed back up with them on XXXX/XXXX/XXXX, spoke with XXXX XXXX who informed me that a decision had been reached by their Senior Management Team that the foreclosure will no longer be rescinded. They didnt care that i had a perfected file in review with their Underwriting Team and they were not concerned with the Homeowners Bill of Rights and their decision still stands. This is such a violation with everything that the Homeowner Bill of Rights stands for. This is a home that i worked very hard for and now was taken from right under me. I complied with everything they ever requested and never balked on any information they requested. I really need you help. Now they are not budging on anything they had previously stated and are taking my home. HELP HELP HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Please be advised this was my SECOND WRITTEN REQUEST to Equifax. The unverified items listed below remain on my credit report in violation of Federal Law. Equifax are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation, Equifax stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
Equifax have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - Equifax are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear, I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
when I was unemployed I made my payment and it was fully paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a wrong name ( not me ) added to my report which caused me to drop XXXX points! I 've changed nothing and my credit report as of last week was XXXX yet this morning its XXXX. And there 's a name on it that is clearly not mine and not even close. What can I do to remove this? 
Here is what is wrong : Names ReportedXXXX XXXX XXXX, XXXX, XXXXSee something wrong? 
Find out how to update personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have attempted to have the verbiage changed on the status of this account in question with the original creditor and Equifax. i have received a letter from the original creditor stating that the status would be changed. Instead of changing the status of the account Equifax just added another status, which in no way fixes the issue. The original account status stated, claim filed with government. This was suppose to be changed to transfer to other office/default. Equifax just added this comment to the status instead of changing it. Now it states, claim filed with government and transferred/sold. All that Equifax needs to do is remove the verbiage, claim filed with the government. Please help! This verbiage on my credit report is making it impossible to qualify for a mortgage. The mortgage broker advised me that this statement could mean I have a judgement lien against me, and this by no means is the case. Again, please help me get this corrected. I will attach files of the original creditors letter, and the updated account on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX to XXXX XXXX I was XXXX to XXXX XXXX with the XXXX XXXX under XXXX XXXX XXXX. During my XXXX a XXXX XXXX XXXX Bank credit card in XXXX, MD was activated in my name, and use without my knowledge, consent or authorization. I submitted a letter to the bank and a police report. The bank removed the information from my credit report. At a later date the credit card companies reinserted previously deleted information regarding this account. The amount was small {$250.00}. 
I had no knowledge of the transaction, The discrepancy is impacting my credit score. 
I want this report removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Sent in dispute to Equifax that my loan was paid off and that XXXX loan was off my records as well as XXXX, still have n't seen a correction of my score or fix as well as my credit keeps getting ran under both bereaus and my score keeps getting lowered causing me not to be able to afford another nice car and or get into my own house. 
It has ruined my chances of a loan cause people ask if it 's a repossession or a paid of repossession, and it 's not the account was paid off in full after being totalled by me. Has n't been corrected with the bereaus

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account is told old to be on my file date of last payment was XXXX XXXX XXXX is trying to use the date of first major delinquency as my last date of payment with is incorrect to prolong this account on my credit report and on XXXX XXXX has now change my first date of delinquency on my account to XXXX XXXX which is incorrect XXXX is reporting false and incorrect information to my credit report this account should be deleted for my report it has been seven years now

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have unauthorized and fraudulent inquiries and addresses listed on my Equifax credit report that do not belong to me. The following inquiries are fraudulent and unauthorized : XXXX XXXX Bank, XXXX/XXXX/2016, XXXX Bank, XXXX/XXXX/2016, the following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have mailed several letters via mail and disputed online with the credit bureau and colletors to have inquiries that I did not authorize. I have been effected and my credit score is suffering as an result

Company response to consumer: Closed with explanation