BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: CORELOGIC INC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. I have been trying to get refunded from over-payments that I had sent to XXXX via XXXX XXXX in XXXX, NC. XXXX XXXX office acknowledged that I did make the overpayments to them, but they had sent it to CORELOGIC an associate company with XXXX. XXXX said that they had put all of the money into my escrow account, but there was nothing there except {$250.00}. I have had the home for over 8 years, yet on my yearly receipts it showed that the mortgage of {$110000.00} remains the same ; therefore, I owe XXXX the same amount of mortgage as I had borrowed -- despite years of paying my mortgage. Anyway, I tried to get my refund from XXXX, and was asked to speak with XXXX XXXX who has been nothing but an XXXX. He keeps twisting my words, talking over me, etc. He is refusing to acknowledge the documentation that I sent him including the cancelled checks that XXXX XXXX had cashed. He acknowledges that I am owed monies, but he refuses to give me a summary and check. He wants me to tell him how much I am owed. 

2. Also, I want to know why my mortgage of {$110000.00} has not changed since I purchased the house, or why I have never had any monies in my escrow account except for {$250.00}. He wo n't explain that to me. I did do a XXXX refinance of {$4000.00} last year to save my home from foreclosure, but it still does n't explain why I had no monies in my escrow account and why my mortgage has never been reduced despite paying my mortgage for the 8 years I have had the home. 

3. Also, I need to find another mortgage holder to take it from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
Failed to respond to remove error reporting XXXX XXXX XXXX 30 day Lates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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 2022-01-25
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of UNCONFIRMED information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please reinvestigate the whole information especially the account type, date opened, balance, comments, and payment history. This information seems to be misleading. This will need to be remove pronto. 

XXXX Original creditor XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$900.00} ;

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: TN
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:
I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. XXXX and XXXX are governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Because of these violations and reportings without my written signature and consent, it's been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given XXXX, XXXX, Equifax or any other consumer reporting agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. Account Name : XXXX, XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at approximately XXXX I went online to book two rooms with XXXX XXXX XXXX in XXXX XXXX Oregon for Arriving XX/XX/XXXX - XX/XX/XXXX, I received the confirmation numbers XXXX XXXXXXXX & XXXX. At approximately XXXX XXXX   I called the XXXX XXXX XXXX to cancel one of the rooms and they didn't have the any reservation for the rooms but when I gave them the confirmation numbers they told me that they were booked though XXXX and gave me their phone number XXXX. When I called the number a man named XXXX said their cancellation policy was no cancellations no refunds! I explained to them that I didn't want to use XXXX and there was nothing that said it was XXXX on the website. The website said XXXX XXXX XXXX XXXX so I thought I was booking with the XXXX XXXX XXXX! XXXX said he would cancel the rooms and I they sent me an email that showed they cancelled both rooms. I also contacted my bank but they said since I used my debit card that I would have to contact the merchant. On XX/XX/XXXX I called the merchant and spoke with a lady named XXXX, I asked her if she was with XXXX and she said yes and then she said they were partners with XXXX! When I gave her my confirmation numbers she said I would get a refund within 3-5 days, then she said no their policy was no refund no cancellations and I was out of luck! She then started talking real fast and said she was tired of going over the same thing. I asked to talk to a manager and she said they will say the same thing and there was no manager there. I said you can't cancel the rooms and keep my money!!!! She said that was the penalty for cancelling the rooms because the hotel charges them that! and she kind of laugh and said I was out of luck! I called the XXXX XXXX XXXX and asked them if they did that and they said no! We are talking about {$1600.00}! I cancelled within 2 hours and I don't believe the they should be able to keep my money and I have nothing! This was deceiving website! I believe they are a fraudulent company! They have in very small print non refundable! The confirmation for the cancellation was done on XX/XX/XXXX! When I call the number they say do I want to know about my reservations but they sent me a email that says status cancelled! I do not want to deal with this company as I think they are a scam company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In early XXXX Old National Bank merged with First Midwest Bank. For three weeks I have not been able to access my account online. I have been on hold for almost and hour. When I go to the branch in XXXX, Illinois the lines are long and the wait times are longer. I have requested my login information 4 times with no response. Its apparent that Old National did not plan, prepare or execute this merger well. I am unable to use XXXX and I am not sure I am receiving ACH payments as I have not received a statement since the merger.

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 2022-01-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have provided Equifax Credit Reporting Agency with an Affidavit for Identity theft. Requesting for a fraudulent account to be removed from my credit profile. Resulting in a negative impact on my credit report. Equifax has failed to comply with the Fair Credit Act for victims of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus have a very bad customer service organization. The first 12 minutes of any call is them verifying and re-verifying all of your information even if you talked to them that same day. The servicers do not read your information in the notes after verifying who you are or prior to calling you. I have asked for 8 years, providing documents by email, fax and snail regarding my name change, with documented proof they request, at least 10-15 times. And, I notify them every single time I call that I am divorced. They still have not taken care of it. They are rude and inconsiderate. I believe I they have taken steps to hurt my account and credit because of this. I have had payments applied incorrectly, using late payments and misallocated a regular monthly payment in order to make negative marks on my credit. I requested a modification, was told I needed to miss 4 payments to do so. So I did, they came back with a horrible offer, which I had no choice but to accept. Now I am in a 40 year loan at 5.5 % interest, with bad credit on two fronts because of Seteres. They in NO WAY look out for their customers best interest. Lastly, I had a flood at my house. My insurance promptly paid. Seteres took the money. After 6 weeks, Seteres still has n't given me the money to pay contractors. I had to use 2 months worth of mortgage payments to pay out of pocket so I did n't get a lien on the house BECAUSE OF SETERES. They are rude, clueless robots that only hurt the situation and have no concern about anyone 's wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Source Receivables Management LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Source RM Receivables repeatedly calls me for what they claim to be a {$300.00} from a XXXX Hospital in XXXX XXXX. I dispute this bill as not mine or owed as I was insured at the time. In addition, they continually refused to provide me with their company name/ contact information/ and repeatedly refused to provide me with a supervisor to speak to ; just put me on hold and had the same representative I spoke to 'pretend ' to be a supervisor, when I repeatedly stated I do not owe this debt they stated they would put my account as 'refuse to pay ' as opposed to actually verifying any information with me regarding it being a legitimate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following inquires were done fradulently without my approval. I did not sign anything to allow these hard inquries to be ran and I want them removed from my credit report ASAP : XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Amex XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX Amex XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on the dates below : 30 day late remark on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2021-01-22
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2020, I sent XXXX, XXXX and Experian a letter to perform an investigation and review the accuracy of the account, XXXX XXXX XXXX. I am still seeing a monthly payment on a closed account and moreover, they re-aged the closed date and are reporting both on time payments and " repossession '' on my credit file. This information is misleading and inaccurate because they should not be reporting anything on my file after the account has been closed. Due to their negligence, i am now asking that this account be removed from my credit report because no notice of dispute was entered on the remarks section which violates my rights as a consumer.

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 2022-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX XXXX  ACCNT # XXXX 30 days late in XXXX XXXX 60 days in XXXX XXXX 90 days in XXXX XXXX 120 days in XXXX XXXX 150 days in XXXX XXXX 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2017-02-15
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do n't recall signing any contract with a company with this name. I do n't recall this debt being verified. Do n't recall getting proof with a contract or signature. I requested that they provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent and did not receive the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have the Rushcard. I 'm sure you are aware to the current issues. I was unable to use my card for transactions since they updated their system over 12 days ago. I was unable to pay for my mail order medication so I was without for 5 days. I was unable to pay an emergency room co-pay because I could n't use my card. I was forced to go the the emergency room because I was unable to get my medicine because I could not use my Rushcard. I called Rushcard was on hold for over an to only be told we do n't know when our system will be working. Then today I received a email from Rushcard telling me they can not locate my account. This is unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is an insurance claim that I have talked to the provider about and provided insurance information to. I was covered by Medicaid and the provider is NOT suppose to bill me for anything other than the contracted co-pay set by Medicaid. {$1000.00} is NOT a co-pay. When I talked to the provider of the medical services, I gave them the insurance information and they said they would file it with Medicaid. I am not liable for this 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 2022-01-25
Company: MIDFIRST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I wasn't a customer of MONIFI ( and/or Midfirst bank XXXX before. In late XX/XX/2021, I found their advertisement ( see Attachment {$250.00} promo for new relationship ) on the Internet, then I opened the checking ( so-called 'spend ' ) and saving accounts online to be a new customer. I met their XXXX direct deposits requirement from my employer on XX/XX/2021 ( amount {$1000.00} ) and XX/XX/2021 ( amount {$1400.00} ). However, this bank didn't deposit the {$250.00} into my account as their advertisement said in 45 days after meeting the direct deposit requirement. I am afraid it is a bait and switch to bolster their account openings and to deny the right for me to successfully obtain the {$250.00} promo.

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 2017-08-16
Company: Alpha Recovery Corp
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX I received a warrent of debt letter when trying to call the lawyer I was connected to the debt collector they are impersonating a law firm the debt collector is XXXX XXXX XXXX this account has already been charged off

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 2020-08-04
Company: PNC Bank N.A.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PNC Mortgage has placed an incorrect status on my credit for my mortgage loan with them. My credit pulls up with a notation of " impacted by natural disaster ''. I originally addressed this with PNC Mortgage and there escalation department - Rep. XXXX in late XX/XX/2020. On XX/XX/2020 XXXX confirmed that the credit department will be removing this status from my credit report. I confirmed with XXXX that I am not being impacted by a natural disaster. As of XX/XX/2020 this label still remains on my credit. My payments are made each month and my mortgage payments are current.

Company response to consumer: Closed with explanation