BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-07
Company: AMERICAN INTERNET MORTGAGE
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
AimLoan.com is quoting ultra low rates that do not quote ARM or any other of the required verbaige From : AimLoan.com XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Wednesday, XXXX XXXX, 2016 XXXX XXXX Subject : AimLoan.com Rate Watch Notification This is your mortgage rate update from AimLoan.com. These interest rates are accurate as of XXXX XXXX, 2016. 
30-Year Fixed Rate 3.625 % with XXXX guaranteed points and {$0.00} lender credit 3.75 % with XXXX guaranteed points and {$0.00} lender credit 3.875 % with XXXX guaranteed points and {$660.00} lender credit 4.0 % with XXXX guaranteed points and {$2900.00} lender credit 4.125 % with XXXX guaranteed points and {$5000.00} lender credit 4.25 % with XXXX guaranteed points and {$5200.00} lender credit 20-Year Fixed Rate 3.25 % with XXXX guaranteed points and {$0.00} lender credit 3.375 % with XXXX guaranteed points and {$0.00} lender credit 3.5 % with XXXX guaranteed points and {$0.00} lender credit 3.625 % with XXXX guaranteed points and {$930.00} lender credit 3.75 % with XXXX guaranteed points and {$2500.00} lender credit 3.875 % with XXXX guaranteed points and {$4000.00} lender credit 4.0 % with XXXX guaranteed points and {$5200.00} lender credit 15-Year Fixed Rate 2.75 % with XXXX guaranteed points and {$0.00} lender credit 2.875 % with XXXX guaranteed points and {$0.00} lender credit 3.0 % with XXXX guaranteed points and {$0.00} lender credit 3.125 % with XXXX guaranteed points and {$1000.00} lender credit 3.25 % with XXXX guaranteed points and {$3300.00} lender credit 3.375 % with XXXX guaranteed points and {$4800.00} lender credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: PHH Mortgage Services Corporation
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH Mortgage is giving me the runaround on dropping my PMI. They keep telling me I need to be at XXXX % of my purchase price instead of XXXX % of my appraisal value. I am literally {$870.00} dollars away from being at XXXX % of my original appraisal value. Every time I speak with someone and ask them if I make a {$900.00} payment today to drop my PMI all I get is the run around. I have spoken to many people in refinance business and on this site and everything they are telling me is untrue. I offered to make a {$900.00} payment immediately to drop but then I get put on hold for XXXX minutes each time and they literally repeat the same conversation we just had. I am currently waiting for a higher up supervisor to call me back because the lady I last spoke with was of no help from the 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 2015-12-20
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated calls ( more than 5 a day ) from a company that shows up on my Caller I.D . as " NCO Financial Systems ''. Mind you, I signed up with " XXXX '' which intercepts robocalls. NCO Financial Systems ' calls are robocalls, because the phone only rings once, then stops ( this is how you know it 's a robocall ). But these calls from NCO happen all day, several times a day, and it is annoying. The calls start at XXXX XXXX, even on Sundays! I am tired of these calls ; when I try to put them on my " call block '' list, they just call from another number. The latest number they have called from is:XXXX. I just want these calls to stop!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Rosebud Economic Development Corporation
State: OK
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from Oklahoma XXXX XXXX XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. 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 monetary relief
Consumer complaint received 2015-06-02
Company: Secure Lending Incorporated
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I keep getting telephone calls from a number XXXX XXXX XXXX I have told them numerous times do not call me. Today I received another call and they said they were from Secure Lending and I asked them how did they get my number and they said from the FHA. I got the companies telephone number XXXX and spoke to the supervisor XXXX and asked her to remove me from their call list and that I am on the Do Not Call List. I also advised her I have told her telemarketers numerous times not to call me and if it is not resolve in XXXX days I will be filing a complaint. But I am so sick of them they have already been calling me for more than a month already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax states they have " verified '' bankruptcies through public records on my credit report. The bankruptcy court does not report to credit bureaus, therefore Equifax can not legally verify bankruptcies on my credit report. An employee looking at a computer screen on an Internet database can not legally verify a public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Two years ago, XXXX 2014, my business and life partner of 19 years left me. He suffers XXXX and has for the last 5 years been unemployed. When he left I was left holding the bag on our debts and assets and trying to piece back together my finances and credit score. I have cashed out my retirement accounts, that I am allowed to before age XXXX XXXX and paid off over {$150000.00} in debts. Bank of America ( BofA ) settled with me on a home that I own in XXXX XXXX, VA and a rental property I own in XXXX, VA. Both of these properties have lines-of-credit associated with them. 
Both lines of credit are now closed and I have reached a settlement with BofA on both. I attach the XXXX letters for evidence. Note that neither letter indicates anything about a BofA policy of continuing to report the sums as delinquent. Neither of the folks with whom I settled the accounts mentioned that in our discussions. I do not think a reasonable person would have assumed that their credit report would continue to be ruined until the last payment on each of the lines of credit was made. 
During the process of getting my finances under control I was advised to take bankruptcy, I have not and do not plan to. I have worked diligently to repair my credit rating. I have been able to open XXXX charge accounts that I am current on to help rebuild my credit, my score has improved. However, BofA still shows that original balance on these XXXX lines of credit on my credit report. They also show the original amount as delinquent, even though we settled on a lesser amount and I have been making monthly payments as per the agreements since. I have contacted BofA twice to ask that they show these debts current, because they are. They have told me that it is against their policy since there is now guarantee I will make the payments. This strikes me odd - if I do n't make the payments then they should report that to the credit bureau, like any other debt. I contested the XXXX lines of credit showing up on my credit report with the credit reporting agency and still both amounts show up as delinquent. I would like the XXXX BofA credit lines to show as current and not delinquent on my credit report. 
My cell is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My office phone at the XXXX is : XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I called Equifax today XXXX/XXXX/15 and got XXXX XXXX from the office of consumer affairs. I called to explain how I was n't able to view my credit report. As I was trying to explain my issues I was rudely cut off and talked to in a very condescending manner from XXXX XXXX. I asked her why I ca n't view my report. I was given zero explantation and continued to be talked to rudely. At this point I asked for a manager and was denied the right to speak to a manager and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been waiting since XXXX XXXX for my annual credit report from Equifax. 
Equifax claims they mailed credit report on XXXX/XXXX/2016. Nothing received to date.. 
Four months is long enough to wait for my credit report from Equifax. 
There is no person customer service telephone number for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
This complaint adresses how the XXXX has been illegally reporting XXXX collection accounts to the XXXX credit reporting agencies, Equifax , refuses to remove these errors after repeated investigations. The original creditor is the XXXX XXXX XXXX for both accounts in which I went to the XXXX on XXXX seperate occasions. 
1. Acct # XXXX {$280.00} 1.The date that my payment was delinquent was XX/XX/XXXX. A single collection account can not have different dates that they will be removed from each credit reporting anency. 
2. Acct # XXXX {$140.00} This became late XX/XX/XXXX 3. Credit consulting acct XXXX {$110.00} The Orig creditor-XXXX never sent me a bill and I was never told what the charge was for and they are not sure the debt was mine because the address information is not mine. The XXXX agency removed these accounts from their report on XX/XX/XXXX and my dispute with Equifax was ignored. 
Additionally, I have repeatedly demanded proof of the debt so I could attempt to verify the correct dates and have been repeatedly ignored. Both credit reporting agencies do not give me any documents that show me how the verified the debt. The collection agency will not give me this information either. They will of course send me a bill to verify the amount on the account, that I am not disputing, I also wanted to point out that Equifax and XXXX report both of the accounts as closed and open. I want to verify the date accuracy of the XXXX debts. If the closed account has wrong information it should not be reported on my credit file. I have attached the XXXX report and Dispute report & Eqiifax report, as well as the XXXX before the dispute. Additionally, I have tried to find out the correct dates of delinquency by filing a complaint through your agency before but It has been hard to articulate my problem until now. I never received the proof of the debt that showed any dates and have requested this information from the XXXX & the CRA 's. Please help, the end dates for each collection account should be the same on all XXXX credit reports. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am a subscriber to all XXXX agencies, and Equifax has continually and repeatedly investigated and returned results that are proven to be inaccurate. I have disputed credit inquiries to Equifax resulting from an auto dealership submitting my information to XXXX banks without my authorization or approval. Each time, Equifax allows me to either enter that the inquires are " unauthorized '' or " fraudulent ''. Within a day or so, they come back and tell me that they 've verified the information is correct. I 've also tried to contact them directly, with Managers & Supervisors in the dispute department telling me to contact each of the creditors direction and ask them to remove the item. I 've done that, but it 's almost impossible to get any of these creditors to even acknowledge they had a form submitted in my name, much less - they wo n't admit to any wrong doing, since the request came from a car dealership and they think it 's legitimate. I 've contacted the dealership that sent out my credit file by mistake and they 've provided a letter back to me asking & authorizing for the removal of all entries associated with their dealership on XXXX/XXXX/2014. I 've provided that letter to Equifax and they still refuse to remove the fraudulent and unauthorized inquiries. I 'm out of options and I can not think of anything else I can do other than seek legal action against Equifax until this is resolved. In addition, this company has me doing work and effort to correct mistakes that have been already admitted to by the dealership that did the damage. This is effecting my credit score and I need help getting this corrected as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted the courts and they stated the removal of all these bankruptcies case # XXXX. They are all reported on XXXX credit reporting agency and that is Equifax. That is strange to me when the courts stated they deleted them from all XXXX credit reporting agencies. Equifax has broken the law because I have evidence they were removed from all XXXX of the credit reporting agency last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
EQUIFAX CONTINUES TO NOT FOLLOW THE GUIDELINES SET FORTH BY THE FEDERAL GOVERNMENT IN ACCORDANCE HOW INFORMATION IS REPORTED UNDER THE FCRA/FDCPA/NCFDCPA/ DODD FRANK ACT. EQUIFAX STATED ON XXXX DIFFERENT DISPUTES WITH XXXX XXXX XXXX XXXX STATING THAT THE INFORMATION BELONGED TO MY CONSUMER CREDIT FILE AND ALL INFORMATION WAS VERFIED AS MY ORIGINAL DISPUTE STATED THAT THE INFORMATION WAS NOT BELONGING TO ME. IN XXXX XXXX THE FEDERAL TRADE COMMISION SENT FORWARDED DOCUMENTS TO EQUIFAX FRAUD DEPT TO HAVE THEM REMOVE ANY INQUIRIES AND ACCOUNT INFORMATION FROM REPORTING TO MY FILE FOR FRAUDLENT ACTIVITY AND VIOLATIONS UNDER FCRA. THE INFORMATION WAS REMOVED AND XXXX REPORTED BACK TO MY FILE XX/XX/XXXX. ON XXXX XXXX XXXX LOCAL LAW ENFORCEMENT LAUNCHED AN INVESTIGATION AT THE LOCAL BRANCH AFTER RECIEVING INFORMATION THAT THE ACCOUNTS THAT ARE ON MY CREDIT FILE ARE NOT THE ACCOUNTS THAT ARE IN XXXX XXXX CR REPORTING SYSTEM. AFTER SEVERAL INTERVIEWS AND STATEMENTS FROM XXXX XXXX EMPLOYEES EVEN IN THERE COLLECTION DEPT THE ACCOUNT NUMBERS ON MY CREDIT REPORT ARE NOT IN THERE SYSTEM. LAW ENFORCEMENT FILED A CRIMINAL REPORT AGAINST XXXX XXXX FOR COMMITING FRAUD BY WIRE AND COMPUTER CRIMES OF IDENTITY THEFT. IF EQUIFAX HAD DONE AN INVESTIGATION AND VERFIED THE ACCOUNTS AFTER EQUIFAX STATED IT DID ON SEVERAL OCCASIONS THEY WOULD HAD SEEN THAT THE ACCOUNT NUMBERS DID N'T BELONG TO ME. ALSO ON SEVERAL PHONE CONVERSATIONS WITH XXXX XXXX WHICH SHE STATED SHE PERSONALLY VERIFIED. ITS CLEAR TO SEE THAT SHE DIDNT DO SO AS IF SHE DID IT WOULD NOT HAD BEEN VERIFIED AS BEING CORRECT THIS SHOWS BY PREPONDERANCE OF EVIDENCE THAT WHAT WAS BEING TOLD TO ME WAS BLATANTLY UNTRUE AND A DIRECT CASE OF WHAT I HAVE BEEN TELLING REGULATORY AGENCIES THIS ENTIRE TIME THAT IT HAS NOT BEEN ANY PROPER INVESTIGATIONS OR EVEN REASONABLE ONES. EVERY TIME THAT I ASKED HER TO GIVE THESE CREDITORS A CALLED AS THE INFORMATION WAS CONFLICTING I WAS TOLD BY XXXX XXXX XXXX THAT SHE WILL NOT TAKE THE TIME TO CALL THEM TO GET THE CORRECT INFORMATION. WHICH I COULDNT UNDERSTAND SINCE THE REGULAR AVENUES OF EQUIFAX COULDNT ASSIST AT THE TIME. AND SHE HAD ALL THE RESOURCES TO RECTIFY THE PROBLEM. I INCLUDED A COPY OF THE INVESTIGATION RESULTS SENT TO ME ON XXXX/XXXX/XXXX OUTLINED IN PINK TO SHOW THOSE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received a notice of intent to collect on this debt so i do n't know what it is for. I discovered it on my credit and i have reached out to the complaint on several occasions and i have yet to hear back from them

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 2017-03-11
Company: A/R CONCEPTS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have received past notices in regards to this debt from A R Concepts Inc. I sent a dispute notice in regards to validation but have not received any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo was supposed to review our complaint on case # XXXX by XX/XX/XXXX. This was n't long enough to decide what our escrow shortage was, so they extended the review to XX/XX/XXXX. This date has now expired and Wells Fargo still can not determine the actual shortage of our escrow. We had a shortage of {$6.00} in XX/XX/XXXX when our property/school tax was paid. For XXXX, we have a projected shortage of {$41.00} due to a slight increase in our homeowners insurance. We are willing to pay the XXXX shortage of XXXX, and the projected shortage of {$41.00} for XXXX as two separate checks. Wells Fargo has calculated a projected shortage of {$62.00}, but then increased our mortgage payments to indicate an increase of {$100.00} for XXXX. When I was finally able to get XXXX on the phone on XX/XX/XXXX, he asked me how I calculated the amount of {$41.00}. I explained it was simple math. I added our current escrow of {$390.00} for 12 months, which equaled {$4700.00} and subtracted that number from our total taxes for XXXX which equaled {$4800.00}. The difference was {$41.00}, not {$62.00} or {$100.00}. I 'm not sure why it is taking XXXX so long to calculate, but our mortgage was due XX/XX/XXXX so we would like resolution on our escrow.

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 2015-07-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I wanted to get my XXXX credit report. I thought the process was simple, but it did n't work for me. I applied online but received the message " unable to confirm identity '' and then message " If I leave page now I wo n't be able to receive my free reports for a year '' That 's totally unfair, I have the right to see my reports online and do n't want to go through cumbersome process of filing paper forms. This would be difficult since I 'm XXXX and I do n't have a printer. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit report, my negative accounts are repeated. It looks as though I have more than I actually do. the loan for sallie mae says " paid as agreed '' but It also appears saying " XXXX days past due ''. Most of the accounts are showing up multiple times, and with conflicted reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: JPMORGAN CHASE & CO.
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:
On   XXXX   XXXX   XXXX     I received a credit card offer from  Chase Freedom  through  XXXX , and on   XXXX   XXXX     XXXX   XXXX   XXXX    through  XXXX  because my score was  XXXX .   The advertising states they would do a soft pull on your report and it WOULD NOT affect your score. They do n't explain that they later do a hard inquiry to the Consumer. I spoke with Chase and   XXXX   XXXX   XXXX   and they both told me they would not change it to a, Soft pull. However  XXXX  advised me that they could change it where it would not affect my score. By them doing a Hard inquiry my score dropped to  XXXX  by  XXXX  points, I am very angry, Had it been properly explained to me that an initial Hard inquiry would follow I would not have applied. This hard inquiry will remain on my report for 25 months, which is utterly ridiculous. This is completely deceptive practice and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
HI - a fraud account was opened under my name. I filed a police report and trying to work with the agency to clear. they are still claiming this was opened by me. I 've never owned a discovered card, I 've only own Visa and XXXX. My credit score has always been high, this is out of character

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was scammed from XXXX purchases made from XXXX using my Discover Card. Temporary credit was issued on XXXX XXXX, 2015. It allowed only 45 days for the merchant to reply, if not the case would end up in my favor. Discover Card reverted the credit PAST the 45 days on XXXX XXXX, 2015. I would like my credit back.

Company response to consumer: Closed with explanation