BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 I received a letter in the mail from Specialized Loan Servicing ( SLS ) stating they got notification from my Insurance Company regarding Cancellation or Non Renewal of my Homeowners Insurance Policy so I called them on Tuesday XX/XX/2020. A lady in the Escrow department said when my loan came to them the " Insurance '' portion was not placed into escrow ( which is not correct ). She stated she would do an Escrow Analysis right away so she took my Insurance Agent information and said she would contact them to let them know payment is coming. On Friday XX/XX/XXXX I called my Insurance Company and they confirmed my policy had cancelled effective XX/XX/XXXX. I was also informed that no one from SLS had contacted them. That Insurance Representative took my Mortgage company information and fax number and sent SLS a reminder that payment is due asap for my Homeowners policy. Today XX/XX/2020 I called SLS again. I was told they need to do an Escrow Analysis and my payment would increase which it should not but if it does to me it would be a small amount because the escrow I currently pay is more than enough to cover both taxes and insurance. My annual taxes is {$4700.00} and my escrow payment is {$470.00} per month. The Insurance renewal is {$1000.00} annual. The Representative XXXX invested more time in telling me that my payment would increase then looking into why nothing has happened since a week ago when I called SLS. She could see notes that I called in and an Escrow Analysis would be done and the Insurance Company would be contacted but she said she would have to do the same thing. 
When I asked why nothing has happened in a week she said she didn't know. Keep in mind that my Homeowners Policy has cancelled and I have no coverage on my home yet I'm paying for it every month in my mortgage payment. I called twice to my lender and was not only treated poorly especially by XXXX but I have no assurance that anything is happening to fix the issue and get my Homeowners Insurance paid. 
And by the way I got their letter on Sat XX/XX/XXXX and it stated that if I don't get some insurance by XX/XX/2020 they would get Insurance for me and add it to my monthly mortgage payment but they are the ones who has my Escrow account. Why didn't I get notification sooner? Please I need your help. The Insurance Agent told me if my Homeowners Payment isn't received by XX/XX/2020 my Homeowners Policy can not be reinstated without a break in coverage which could increase my insurance rates. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my mortgage loan with XXXX. In XXXX my sister, the co-borrower, died and I put in a claim with my MI. XXXX never responded and instead sent my mortgage to a Mortgage loan servicing agencies, first Bayview, XXXX, later Community and now Community sent it to XXXX. 
This is bogus. XXXX and its assignees are trying to steal my home. 
I have not missed a payment to Community. 
During Covid-19, I took benefit of Cares Act and waived 4 mortgage payments, according to Cares Act, I could have waived 180 days, 6 months, I only waived 4 monthly payments. 
After Deferral period, Community sent me a new monthly payment which was higher then before Cares Act and I stated payment had to be same as it was before deferral. Community changed amount to close to what it was before Cares Act and I have made my monthly mortgage payments each month. 
Around XX/XX/XXXX, I made 2 mortgage payments to Community, by mistake, and emptied my bank account. I asked Community to refund the second payment and silence from Community.

Community instead shows me in default, is trying to collect {$8000.00} plus from me and now has my house in foreclosure. What the XXXX XXXX???? 
Please help me. This is my home. XXXX and all their assignees should be fined for stealing from homeowners. 
Please contact my niece XXXX XXXX at XXXX XXXX XXXX as she is helping me. 
I am XXXX plus years old, XXXX in XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, and stuck with a huge mortgage. My payment is {$1000.00}. and my Social security is {$1000.00}. Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Guild Mortgage Company LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a complaint # XXXX on XX/XX/XXXX ; Ref : Guild Mortgage - the complaint was on a Conventional loan not a VA loan. They sent you incorrect information - the information you received was a VA loan when I purchased my home on XX/XX/XXXX. I purchased a second home in the same year in the same neighborhood ; I had to write a statement on why I was purchasing a home in the same neighborhood in the same year ; I was told that there was a special program for my XXXX XXXX Son ; but later I found out that there was no special program with a lower interest rate ; the statement should be apart of the loan documentation for as I know. My complaint is the Conventional loan on XX/XX/XXXX. I am also having a problem cancelling my PMI ; I have written Guild Mortgage several times trying to cancel the PMI on this conventional loan. 
I have submitted documentation to Guild Mortgage to cancel my PMI on this property and I am going back and forth ; I paid for a MPO ; I sent the {$150.00} for the brokerage appraisal ; it was appraised at {$86000.00} ; there is no house in this neighborhood appraised at this low price, all the home are {$98000.00} plus. I did not agree so I was told that I needed to send 3-5 homes that was sold in the last year of the MPO. I wrote back and now I'm in the process of sending Guild Mortgage 5 houses that have sold in the last year ; I will upload this information as soon as I gather the market analysis to send back to Guild Mortgage. This has been very stressful and I am tried, I am a XXXX  Veteran and I am not always able to write letters back and forth ; but I tried to answer as soon as I am physically able. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Predatory payments on 4.25 % interest rates were payments don't match amount financed. Required way over recommended down payment as well at closing for a fha home purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Had a business credit card with Bank of America and my business went under. Having trouble paying minimum and was being harassed by bank. Finally a BoA collection person convinced me to allow them to withdraw {$100.00} per month from my account each month. Trying to get a statement for over six months now and can not get anyone to help me. Twice I have been told they will Mail a statement, to no avail. I now owe over {$2000.00} more than I did when they started withdrawing and I want to pay it off but can not get anyone to tell me how to do that and what payoff amount is. Who do I contact? BofA tells me it she no longer in their system. The number they gave me - they do n't help me. What can I do?

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 2020-03-31
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is reporting a bankruptcy on my credit report. I disputed this bankruptcy on XXXX XXXX. They removed this erroneous information on XXXX XXXX. Now they are reporting the same bankruptcy they removed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: AR
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX  XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has consistently lost documents, misappropriated payments and given me poor information to help handle my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
MY ACCOUNT WITH BB & T HAS BEEN COMPROMISED BREACHED WHICH WAS NOT BROUGHT TO MY ATTENTION WITHIN KNOWLEDGE AND FULL UNDER STANDING OF THE XXXX WITHIN THE NAME AND OR COMPLANY POLICY- WITH SELLING ADN WELL AS RECCEIVING STOLEN PEROSN CUSTOMER INFOMATION WHICH COULD BE HARMFUL PHYSICALLY AS WELL AS FINANCIALLY TO MY PEROSN BODY AS WELL AS XXXX WITH ALLTHE GAMES BEHIND THIS CURRENT FRAUD THIS ORANIZATION BB & T TRUIST- SUN TRUST - FINANCIALLY ORGANIZATION NAME XXXX ACCOUTS FALLS UNDER - PLEASE INVESTIGTE ALL TRANSACTIONS- THERE YOU CAN CONFIRM WHAT FRAUD THE UNITED STATES BANK AND XXXXXXXX XXXX  HAVE GOING ON - HERE I LINKED MY ACCOUNT - HOWEVER I HAVE NOT HAD ACCESS TO SEND MONEY OR RECEIVE PAYMENT XXXX XXXX ONCE I REQUEST TO SEND MONEY I DID NOT HAVE THE ABILITY TO DO SO WITH ACTIVE MONLY IN MY ACCOUNT - THESE IS NO EXCEPTION AND OR EXCUSE- THEFERE I KNOW I FALL UNDER THE FEDERLA LAW VIOLATIONS FOR COMPENSATION THIS INSTITUTION BEING REPOSTED HAS AFFECTED ME XXXX AS WELL AS FINANCIALLY - EXTREME DURESS WITHIN MY 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 2020-03-31
Company: EQUIFAX, INC.
State: KY
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: Other problem getting your report or credit score

Complaint:
I can not unlock my Equifax credit report. I have tried to unlock it through Equifax 's Lock & Alert with no luck again today. I contacted Equifax today and the Office of Consumer Affairs states that my credit report is under review and will be unlocked within two months. This is absurd. This is my financial information. My life. I receive alerts. If there was a concerning problem with my account, I'd let them know. I want access to Lock & Alert. It's my private information they're withholding.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Pressler & Pressler representing XXXX XXXX swept all my funds from my bank account, then threatened me that if I fail to sign the agreement of debt repayment or upon signing I would fail making repayments, a lien will be placed on my payroll and my salary will be garnished. 

This is so shocking to me because I knew that only government and its agencies can put a lien on your account for nonpayment of child support, alimony, school loans ; and IRS for owing taxes but financial institutions such as credit cards who 's funds are insured by the FDIC - that 's completely new to me! 

I had no idea that I was being sued by Pressler & Pressler representing XXXX XXXX since due to an illegal eviction I am no longer at XXXX XXXX XXXX for over a month and I do n't have a new mailbox address as of yet. 

So, I called Pressler & Pressler and after my conversation with Pressler 's representative and making payment arrangements, they still refused to release my frozen funds back to me. I had {$1800.00} in the account, which represented my Federal and State Income Tax Refunds that I just received as EFT to my account that week! 

After crying on the phone pleading with them to release my funds and informing him that since they took all my money from my account at XXXX XXXX XXXX I have only {$2.00} in my pocket thereby left without any funds to purchase groceries for the next XXXX weeks, the representative made a promise to release {$300.00}. THE MONEY WAS NEVER RELEASED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, 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:
I have disputed this account with Equifax, XXXX  and XXXX  and the account remains. 

XXXX is using fraudulent documents to verify accounts to these agencies and despite the account being paid in full XXXX nor the original creditor has EVER sent me anything in writing to validate the debt. 

XXXX has verified that the original creditor did NOT provide them with the correct information to contact me and that the original creditor only provided their own address. Even though the Original Creditor had my forwarding address and XXXX received my correct address with my previous complaint to the CFPB ( XXXX & XXXX ). 

The documents that XXXX supplied to the complaints above have a fraudulent lease, dated in XX/XX/XXXX with an electronic signature of my name, note the date in the attached document. I did not sign a lease in XX/XX/XXXX, I signed a leased generated in XX/XX/XXXX. The original documentation is not and has not been provided to XXXX nor is it available to the bureaus to verify this debt as it has NOT been produced so far. 

This debt was also paid in full and this fraudulent reporting method has caused me to lose credit opportunities and be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: CASHCALL, INC.
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Someone named XXXX XXXX called claiming I was being served at my job between the hours of XXXX and XXXX XXXX CST on Monday, XXXX XXXX, 2016 and was told to notify my supervisor that I will be served at my job as well about this but did not know what it was about. Was given a case number of XXXX. Contacted the company today and they identified themselves as XXXX XXXX XXXX. Gave them the case number and the person put me in contact with " XXXX XXXX. '' Well, this person who said she was " XXXX XXXX '' suddenly said her name was " XXXX '' and that I was sued by Cash Call and there were XXXX charges against me. I asked her to send it to me in writing and she refused to send me anything.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Nonstop calls. I probably receive 3-5 calls a day from them with a blocked id. I blocked all visible numbers on my phone, which consisted of probably XXXX numbers so now they are using the blocked id numbers, which I ca n't block. I answered once and asked them to remove me but that did n't help in the slightest. No idea how to stop them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: NY
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 received a copy of my credit report # XXXX and while disputing some items that need to be deleted. When I requested an investigation no protocol under the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], was followed by EXPERIAN. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion XXXX XXXX   XXXX  Partial Acct # XXXX Unverified data and contract XXXX   XXXX  XXXX  Partial Acct # XXXX Unverified data and contract XXXX XXXX XXXX  ADDRESS ID # XXXX Unverified data and contract According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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 2016-06-14
Company: CITIBANK, N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new CitiGold Checking Account with Citibank in XXXX of XXXX under a promotional offer XXXX XXXX XXXX ) for XXXX XXXX XXXX miles after completing a number of steps. After completing all of the necessary steps, which included paying a certain number of bills and spending over {$1000.00} on the debit card, and receiving written confirmation that I had completed the requirements, Citi still has not deposited the miles into my account. They are currently XXXX days overdue per the written confirmation I received in XXXX of XXXX. I am submitting the complaint because I feel like I have been bait-and-switched into opening an account with Citibank. Though they keep assuring me the " issue has been escalated '', I do n't have faith that they will carry through on their side of the offer.

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 2016-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an online offer from Bank Of America in XX/XX/XXXX /XX/XX/XXXX that if I open a checking account and had XXXX direct deposits within 90 days of account opening I will get {$100.00} bonus. So I opened this account and made changes to my direct deposit and split it such that {$400.00} would go each month into BofA checking account. By XX/XX/XXXX I received the welcome kit from BofA and it also had a letter saying my XXXX direct deposits had to be made by XX/XX/XXXX or XX/XX/XXXX, for me to get the bonus. This made me happy cause XXXX had not made the first deposit to BofA in XX/XX/XXXX due to paper work processing. So my XXXX direct deposits were made by XX/XX/XXXX/XX/XX/XXXX, but BofA keeps dilly dallying to pay my {$100.00} bonus. I have called 4 times so far. The second time the agent told me I would get the bonus, but when I did not by XX/XX/XXXX end, I called and have called twice since, they say decision is pending. They said they will remail me the welcome letter for me to see what it said, never did. I am very sorry I ca n't find the welcome letter, looks like it got thrown out with trash. But I did get that letter from them and in any case I got my direct deposit set up and did all that I was required to do for the bonus. I read online they make such offers, and mostly try not to honor them. Supposedly, BofA is infamous for this. This seems unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The company reporting late. But the company sent two checks from the bank. I wasn't about to setup direct immediately, therefore the bank had to send our a check. When the checks returned it cause the account to be late.

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