BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-21
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The night before closing XXXX/XXXX/15 at XXXX we received a phone call from our real estate agent stating we had to bring additional money to closing. We initially thought we were going to make a cash profit on top of our XXXX percent down payment from the home that we were selling. We got this information from the closing disclosure we signed on XXXX XXXX and that total was {$52000.00}. In the beginning of obtaining the mortgage on XXXX XXXX, 2015 we were given an estimated closing disclosure but we were continuously told that it would change. On the night before closing, our agent called to tell us that the FINAL disclosure was incorrect and we were to actually pay the estimated amount on the closing disclosure {$55000.00}. This was all conducted over the phone and no one from the mortgage company or Coldwell banker provided us with any information via email until XXXX. I do not understand how an official document that we signed can be altered less than 24 hours prior to closing. It was very unprofessional and we felt as if we were being taken advantage of or that we were being scammed by our agent/ mortgage company. Essentially we were responsible for paying for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good Afternoon, I sold my home on XXXX XXXX, 2016 and PHH Mortgage still had {$4700.00} in my escrow account. I checked my account online and it showed that all escrow funds were disbursed to borrower on XXXX XXXX. 3 weeks ago I called PHH to inform them that my disbursement check had not arrived yet. The representative stated that she would expedite mail me a new check. 2 days ago I called again to find out the status of my check and was told that they have not issued a new check yet and would expedite a new one. In the last 6 years living in Texas I have experienced only XXXX situations where mail got lost and in both cases it was mail from PHH with large value Escrow funds checks ( this occasion and when I sold another house about 3 years ago ). I find this to be an extremely implausible and unacceptable coincidence that should be compared with other consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion customer service would not help and take care of the negative inquiries reporting to your credit report which are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-14
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/18 various amounts of request payment appear on my credit report with Voss & Klein in the amounts of {$2600.00}, {$5200.00} & {$6100.00}. I have reported to this company this was fraud over three times I have disputed this now this week I received an email with someone else 's driver license and filled out paperwork with an unknown signature that is not mines from Voss & Klein. I replied that the information sent to me is definitely a hippa violation and that it was fraud. Since then I spoke with the XXXX and was told to send in certain information of mine verifying my identity and I placed a freeze on all of Credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I tried about 5 years ago to get a modification on my mortgage through a company called XXXX and it turned out to be a major scam. They charged me almost {$4000.00} and disappeared. Well XXXX lawyers later and approx. {$20000.00} later the bank Wells Fargo is still denying me a modification and has broken all laws pertaining to the modification. The last lawyer I had XXXX XXXX charged me {$3000.00} to try to get the mod and he said he believed he could get it and he could n't and now he wants to charge me {$1300.00} a month to file the lawsuit with no guarantees at the end. He is also charging me just to talk on the phone. I need direction and an attorney that can work with me to sue Wells Fargo and try to save my home. 

I would like the mortgage and escrow to be lowered to an affordable amount and the interest and lawyer fees to be reimbursed since the only thing that was done was paperwork. I am tired of being ripped off by attorneys who charge too much money to get no results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: BANK OF THE WEST
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I sent bank of the west and check from my insurance company it was more than the payoffs was so they have lost the check the supervisor and manager don't even care the check is lost they don't even care they are cheating me out off a lot of money they tell me that there is a fee for the camper getting repossessed than never happen but I got no money back I sent them extra money on the loan of 84, dollars they don't know were that money is I have 11 months on the loan it is payed in full now they tell me I owe them 12-13 payments I should of got a discount on the interest but that didn't happen the check was in the computer as received XX/XX/XXXX I should of gotten a check for over XXXX dollars back the check was made out to XXXX XXXX and bank of the west I have not got nothing back plus my payments are due on the XXXX of every month will a 6 day window they said I was last 29-35 times which is incorrect and they charged me late fee

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 2020-06-10
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2016-04-07
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My loan application at Quicken Loans was denied. I have great credit ( XXXX credit score of XXXX ), had plenty of liquid funds on hand to close on the loan, and my DTI ratio was well below the standard for sound underwriting. 

While I was loan shopping, I asked Quicken to provide me with a Cost Estimate so that I could do a comparison of closing costs/rates for various lenders. They had sent me a mailer that stated that if they were unable to match the lowest rate that I found, that they would give me {$2500.00}. When I asked for the Cost Estimate, I was told that they could n't provide me XXXX unless they got something ( I forget what that something is, but it was captured in the chat communication ). I advised the loan officer that according to the CFPB, I only needed to provide the XXXX key pieces of information which I had already supplied. The Loan Estimate was provided on XXXX at XXXX and my loan was subsequently denied at XXXX. The reason provided for denying my loan application was " due to too many inquiries ''. However, a quick check of my credit would have revealed that the inquiries were all related to me starting the mortgage shopping process. 

This leads me to believe that Quicken did n't want to stand by the {$2500.00} offer that they had provided in the mailer. I prefer believing in that than over the alternative, which is that I was denied the loan because of my race which is pretty obvious by my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have repeatedly asked that my full name including middle initial be used on all bills, medical files/records and correspondence yet in over two years this hospital and this particular doctor have verbally promised but then refused to follow through. If my middle initial is not included then it causes confusing and is often added to my father 's credit history because he shares my fist and last name, just not my middle named. I also can not use the billing receipts that the hospital and doctor provides as proof of my medical expenses on my yearly taxes because my middle initial is not included. Due to a XXXX illness XX/XX/2013 I had to move in with my parents for a period of time and our medical records were mixed up after hospitals and doctors failed to heed my request that my middle initial be used at all times. 
Now I have been referred to a collection agency because the hospital and one doctor has refused to provide me with an official receipt bearing my middle initial!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Closed on the house XX/XX/2019. XXXX XXXX. No inspection was performed by XXXX XXXX. There were no Agency agreement forms signed by myself and the Real Estate Agent at  the beginning. No Appraisal report of comparables, prices etc. given to me on the home. Since moving in, the past year has been such a hardship. The roof of the home has an impression. The roofer indicated just a matter of time before additional problems occur. A few days after moving in the entire heating and a/c unit crashed. I had no air condition all summer until I could arrange for install of a new system. I had to arrange some type of financing, and now I have a XXXX XXXX dollar a month payment on a XXXX salary. I had to purchase an entire new unit. A few months later the rains began and the driveway and front yard flooded and continued to flood after each rain. Currently the concrete driveway has sunk three inches, cracks throughout the driveway. Now, prompting me to hire a plumber to tell me the driveway is unsafe, will collapse and possibly a sink hole. As of the date of this complaint a sink whole has developed. The driveway is in danger now of collapsing. I have difficulty accessing my side door of my house. Clearly, fraud, misrepresentation has occurred. In addition I have suffered extreme hardship. Clearly fraud and misrepresentation. This past year has been an extreme hardship and pain and suffering in an unsafe home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Sallie Mae has been constantly calling and emailing regarding my student loans that are supposed to be in deferment until XX/XX/2022. They have also been charging me interest the entire time they were supposed to not be during the deferment. I've tried calling with no answer just a message services and emailing with no response. And today the website is down so I can not even look at the loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I held/have a Dillards American express credit card that was originally manage through XXXX and was recently switch over to Wells Fargo bank. My account was recently closed due to non-payment, which the last payment I personally made on this account was in XXXX and was informed that the credit protection that I had taken out on this card from its original management XXXX would be making the payments because I was approved for benefits from a claim that I had been filed that was never honored. I spoken to XXXX executives over a wells fargo bank ; XXXX XXXX, and XXXX XXXX who have yet to get back to me and also I have left numerous messages. At this point I 'm ready to take legal action on both companies ... .. 
This is my new credit card number XXXX and this here is my old credit card number in which the credit protection has on file XXXX and this is the card number the new claim is approved on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2016-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A name on my account with transition is fraudulent. The name is XXXX XXXX XXXX. I know nothing of this person.

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 2016-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would like this charge removed from my credit reports because it has been changed over from XXXX XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, XXXX, TransUnion and XXXX. 
I would like to have XXXX removed from all reporting agencies : XXXX, XXXX, Transunion and XXXX. 
I would like to have XXXX removed from all reporting agencies ; XXXX, XXXX, Transunion and 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 2022-05-14
Company: EQUIFAX, INC.
State: PA
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:
When I looked at my " updated credit report '' I noticed that There are still accounts and new inquiries that DO NOT belong to me but are affecting me negatively. The Unauthorized inquiry is from XXXX XXXX XXXX XXXXThe unauthorized accounts that I already reported to the credit bureau are XXXX XXXX XXXX {$10000.00} opened XX/XX/XXXX, XXXX opened XXXX {$110.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$630.00}, XXXX XXXX XXXX {$1600.00}, XXXX {$530.00}, and XXXX XXXX bank opened XX/XX/XXXX {$10000.00}. These item are stopping me from being accepted inti the first time home buyers program and stopping me from being able to move into a saver neighborhood for my children. I have sent in my identity theft affidavit from The Federal Fair Trade commission. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband had a XXXX bill that he never received a bill for ( and assumed insurance had paid for so was not aware that it existed ) and the debt was accrued before he married me. However the collection company ( CBB Collections of Billings ) served him with papers to try to collect the debt. He went in to the collector company made a payment and made payment arrangements. However a week and a half layer the sent me papers as well. I 'm not sure if my complaint is light and perhaps they have every right to do this. But it is extremely frustrating when your an honest person and no one cares when u try to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX 2015, I made XXXX payments of {$100.00} each from XXXX separate accounts. XXXX of the transaction was withdrawn from XXXX of my bank accounts. I have statements proving the {$100.00} withdrawn that I had faxed to them But my statement from synchrony bank shows that XXXX transactions were reversed. At this point synchrony bank is not willing to give me the credit despite me making the payment. I have called them several times trying to resolve this issue but have gotten nowhere with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: NC
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: Problem getting your free annual credit report

Complaint:
Equifax refuses to allow me to access my account at all. I have tried calling and I have tried logging into their website. They're claiming that it is because they can't verify my identity, but I know for a fact that they have added information that isn't even correct to my credit report, so obviously they don't see any need to verify anything. And they made no effort at all to verify my identity when they spoke to me, they just asked me to mail them a copy of my social security card. Not only would this put my personally identifiable information at completely unnecessary risk, but it would accomplish absolutely nothing as I already correctly told them my full name and social security number on the phone. 

XXXX  had no trouble verifying my identity via my name, date of birth, address, etc., there is no reason for Equifax to deny me access to my account.

Company response to consumer: Closed with explanation